ME

Terms & privacy

Sign in with Google

Fund Selection

Learn how to select mutual funds using a proven framework — expense ratio, fund mandate, risk fit, goal alignment, direct vs regular plan, and red flags.

What is the Lock-In Period in Mutual Funds and Which Funds Have It? The lock-in period in mutual funds is a duration during which you cannot withdraw your invested money. Equity Linked Savings Schem… 5 min read
What is the Difference Between Fund Category and Fund Subcategory in India? A fund category tells you the broad type of asset a mutual fund invests in, such as equity or debt. A fund subcategory provides th… 5 min read
What Does Choosing Direct Over Regular Plan Mean for Your Long-Term Wealth? 1 min read
How Much Extra Wealth Do You Build by Choosing Direct Over Regular Plan Over 15 Years? Choosing a direct mutual fund plan over a regular one can add significant wealth over time. For a 10,000 rupees monthly SIP over 1… 5 min read
Fund Manager Track Record vs Fund House Reputation — Which Matters More? 1 min read
How to Choose a Mutual Fund When You Are Investing for the First Time at 30 To choose a mutual fund in India at 30, first define your financial goals and understand your risk tolerance. Then, select a fund … 5 min read
Equity Fund vs Debt Fund — How to Choose Based on Your Financial Goal To choose between equity and debt funds, first understand your financial goal and how much time you have to reach it. Equity funds… 5 min read
Is the Best Mutual Fund the Same for Everyone With the Same Goal? The best mutual fund is not the same for everyone, even with an identical goal. Personal factors like your risk tolerance, investm… 5 min read
What Mutual Funds Should a Conservative Investor Choose? A conservative investor should build a mutual fund portfolio from short-duration debt funds, hybrid conservative funds, and large-… 5 min read
What is the Riskometer in Indian Mutual Funds and How Should You Use It? The Riskometer in Indian mutual funds is a simple graphical tool that shows how much risk a specific fund carries. You should use … 5 min read
How a 25-Year-Old Should Think About Fund Selection vs a 55-Year-Old Your age is the single biggest factor in mutual fund selection. A 25-year-old should focus on high-growth equity funds for wealth … 5 min read
Is Past Performance a Reliable Indicator of Future Mutual Fund Returns? Past performance is not a reliable indicator of future mutual fund returns on its own. While it can show long-term consistency, yo… 5 min read
My Fund's 3-Year Return Is Great But 5-Year Is Mediocre — Should I Switch? A fund's 3-year return can be high while its 5-year return is mediocre due to market cycles where a recent boom inflates the short… 5 min read
What Is Maximum Drawdown in a Mutual Fund and Why Does It Matter for Selection? Maximum Drawdown in a mutual fund measures the biggest loss from a peak value to a trough value before a new peak is reached. It m… 5 min read
I Invested in 8 Funds and All Are in the Same Category — What Should I Do? If you invested in 8 funds that are all in the same category, you likely have a portfolio overlap problem, which limits diversific… 5 min read
What is Over-Diversification in a Mutual Fund Portfolio and Why Is It a Problem? Over-diversification in a mutual fund portfolio means owning too many funds, which can hurt your returns by making them average. T… 5 min read
Staying With an Underperforming Fund vs Switching — How to Decide Rationally Deciding whether to stay with an underperforming fund or switch involves a rational analysis of its performance. You should switch… 5 min read
How to Choose Mutual Funds If You Are Self-Employed or a Freelancer in India To choose a mutual fund in India as a self-employed person, first define your financial goals like retirement or an emergency fund… 5 min read
Gilt Fund vs Corporate Bond Fund — Which to Choose Based on Interest Rate Outlook? Gilt funds invest in super-safe government bonds and perform best when interest rates are expected to fall. Corporate bond funds i… 5 min read
Balanced Advantage Fund vs Multi-Asset Fund — Which to Choose? A Balanced Advantage Fund dynamically adjusts its mix of stocks and bonds, aiming to manage risk actively. A Multi-Asset Fund inve… 5 min read
Mutual Fund Selection Guide for NRIs With Different Currency Needs As an NRI, learning how to choose a mutual fund in India involves managing currency risk and understanding specific regulations. Y… 5 min read