Investments · Mutual funds
You own a slice; a fund manager does the picking. Which category you are in matters far more than which fund name is on it — and that is the decision most people skip.
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The categories
Pick the family from the time horizon, then the fund. Doing it the other way round is how people end up with fourteen funds and no plan.
Shares. The highest long-term return potential and the only category that can fall 30% in a bad year.
Bonds and money-market instruments. Lower return, far lower volatility, and the right home for money with a short horizon.
Both, in one fund. Useful when you want equity exposure without having to rebalance yourself.
Equity with a three-year lock-in, deductible under Section 123 — but only under the old tax regime.
A conflict worth stating
Direct plans carry no distributor commission, so their expense ratio is lower and, all else equal, they return more. We are paid a trail commission out of the expense ratio of the regular plans we distribute. You should know that, from us, rather than find it out elsewhere.
If you are confident selecting, monitoring and rebalancing your own portfolio, direct plans cost you less and you should use them. What a regular plan buys is the advice and the administration. Both are legitimate choices, and you are entitled to a straight answer about the difference before you make one.
FAQ
How much do I need to start?
₹500 a month for most SIPs, or ₹5,000 as a lumpsum in many schemes. The habit matters far more than the amount at the start.
How are returns taxed?
Equity held over a year: long-term capital gains at 12.5%, with the first ₹1.25 lakh of gains in a financial year exempt. Under a year: 20%. Debt units bought on or after 1 April 2023 are taxed at your slab rate regardless of holding period. Rates change with each Finance Act, so we confirm the current position when you invest.
How many funds should I hold?
Fewer than most people end up with. Three to five well-chosen funds across categories covers almost every individual investor; beyond that you are usually buying the same underlying shares twice and paying for the privilege.
What is an expense ratio?
The annual percentage the fund house deducts for running the fund. It comes out of returns silently — you never see a bill — which is exactly why it is worth looking at.
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