Mutual funds are good products. That doesn't mean other products are bad. There are some great schemes other than mutual funds, which should be added to the client's portfolio. When you say you work in the interest of the client, you should also have the ability to identify non-mutual fund products and offer them to clients. Yes, your revenues may be less or you may not get any commissions on some of them. Still, you should sell/suggest such schemes to clients. Trying to channel every rupee into a mutual fund in itself could be wrong. Have an open mind. Do the right thing. Sell the right products.