MF investments are subjected to market risk! This is the only caveat they use and play with our money. If you loose its your risk, if you gain - well so what, we had our share, keep it what you got! (and reinvest with us!!!!!!!)
If market goes up, returns are good. If market goes down returns are bad. You take any MF, you will experience this! We think our money is safe with fund managers managing it. All investments follow above lines!