why mutual funds is risky?

Mutual funds are a lucrative and popular investment that many people invest in. These types of investments offer the potential for returns over a longer period of time, relative to other types of invested money. The majority of mutual funds, however, lose money in the short-term due to fluctuations in market conditions.

Many people who invest in mutual funds are unaware that they aren't protected from losses and sleep at night just knowing their financials are secure. In reality, a loss is not automatic - it's only the standard deduction from each investment put into consideration at any given time.