No matter whether you are using paid AV or Free AV. Test it's effectiveness Now, simply by following these steps:
1. Open Notepad
2. Copy Paste the Following code in it
Code:
X5O!P%@AP[4\PZX54(P^)7CC)7}$EICAR-STANDARD-ANTIVIRUS-TEST-FILE!$H+H*
3. Now save the file having any name
4. Now either TRY to open it or Simply have an Anti-Virus Scan over it
5. Test the effectiveness of your AV
This is known as EICAR Test 
Also Test for the AV Effectiveness using Trojan Simulator: http://www.softpedia.com/get/Antivir...imulator.shtml