question on mutual fund?

before buying mutual fund NAV, devidend , growth, some features need to look. my question is, In which mutual fund if i invest will get good returns? which point i have to look regarding NAV?
as per my understanding, suppose if i invest 1000 per month, consider for the month Jan NAV is 10unit then my amount will be 100 rupees. suppose in Feb Nav is 15unit then my amount will be 66.66 ruppes will get. if i take MF having higher NAV i wont get good returns but If i take less NAV value, then i will get good return.
Is it true what i understood? if not please correct me/…

CAREER RELATED QUESTION, PLEASE HELP?

my date of birth is 12 may 1979
i completed my graduation in 2003
i failed 3 times in 10th due to learning martial art not paying attention towards studies
i got selected as medical reprentative in polygard pharma in 2005 but i didn’t like it
my economical condition was not good father got some problems in his service from 1993 to 2005(he is in railways
again i prepared my self for medicals for one year and couldn’t get success, i couldn’t go to any institute for tution
i got selected in MBA in 2007 but my family couldn’t help me for paying the fee over 2 lacks
they had to marry my sister with their little savings
i took admission in ARENA ANIMATION (AAASP course ) for 3 years in 2008 and now it’s 2011
i got married 6 months ago now i have keep sitting all day infront of computer i am tired of this because no time for family no time for wife no secure future
MY SISTER ‘S HUSBANDS ASKS ME TO COME TO BANGLORE AND HE WANTS ME TO GET PREPAERD FOR RAILWAYS EXAMS. i am very serious about my life now what should i do
actually I don’t like this maya 3ds max as because in kolkata there is no good teacher all i have to learn from internet video tutorials.
i keep thinking waht will happen if i don’t get a job what will happen to my wife after i have left this world
guys please show me some way
now i realise i have lost the time
)

Question about mutual funds.?

Generally one invests in mutual fund in SIP mode, once in a month. Does it make sense to break up the amount invested per month in smaller amounts and invest on different days in one month? e.g., instead of investing Rs1000 once in a month, one can invest twice (on two different days), each time for Rs500. This way one can take advantage of two different NAVs on different days. What is your opinion?

Question about mutual funds?

Can anybody please explain why many mutual funds (Indian) are giving negative return for last one month? As far as I know, sensex has been fluctuating but never been very low during last one month. Also, I think it may happen in case of sectoral mutual funds because some sectors may be down for last one month, but how is it possible even for diversified equity funds?