And intelligence is knowing to not put yourself in a situation that might lead to fear in the future.
Money is not something to be played with, Once it’s gone, it’s gone. There is nothing much you can do about it. Investing is a serious matter and you can never be too careful about it. The more you care the better you earn. Mutual Funds is a risky business, not everyone chooses it to invest their hard earned money, But those who dare are never disappointed.

But do make sure you invest from your own pocket as answering other people, especially on money matters, are never fun, and this is an understatement.

Do not speculate in matters of investment. Get your points straight, know what you are doing and then go ahead with your plans. Even if you have a minor doubt, clarify it. There are companies that will help you solve your issues in minutes (link of the company)

Now about the courage and fear factor, a lot of courage is required in case of investing, but if we have unwanted fear and greed it will take us nowhere.

Most people fear that they will lose money in mutual funds but that fear will go away with a little research because in mutual funds there are options other than FD that are quite safe.

Investing is not a hard game, nor is it dangerous. It sure is risky, but you can opt out of it and still be into investing, there are diverse options and you can learn about it in just a few clicks. But make sure you have the right information and the right mindset to do it.

Those who dare and cares are usually the ones who fare.