Rightly said.
Another thing these sales boys always tell to people who don't understand mutual fund much is "Sir aap return dekhen hamaray stock fund ka last 10 years ka...300% etc etc" and then build up your expectations that over the long run you will achieve the same return.
The thing with stock fund is, you can't predict any return in future. It is all dependent on stock market condition, and it can go down by the same percentage as it can go up whether it is short term or long term. Importantly, the past return % that they show has nothing to do with future returns. So it's just an arbitrary number. The relevant stat is whether the fund they are running have outperformed both the index and the peers in every year or not. If they did that, then that means that the fund manager is capable.
So only invest in a stock fund if you think that the index level is currently low, it cannot go down further and expect it to increase in future. Your future return will depend primarily on the direction of stock market in future (along with the decisions taken by the fund manager).