Mutual fund guides for Indian investors: how to compare mid-cap and small-cap funds, direct vs regular plans, index funds vs active funds, SIP vs lump sum, XIRR, and PMS vs mutual funds. Fund data comes from AMFI and fund factsheets and is dated, so you can check it yourself before you invest.
For tracking an index like the Nifty 50, an ETF usually costs less each year than an index mutual fund, but a mutual fund is easier to run as an automatic SIP and needs no demat account. Tax is the same for both when they hold Indian equity, so the choice comes down to cost, … Read more >>
There is no single best mid cap mutual fund, but a handful of pure mid-cap funds have done well across 3, 5 and 10 years and through two big crashes. In this article we compare five of them: HDFC Mid Cap Fund, Kotak Mid Cap Fund, Nippon India Growth Mid Cap Fund, Invesco India Mid … Read more >>
Investing means buying a share of businesses and holding for years so that their profits and your compounding do the work. Trading means trying to profit from price moves over minutes, days or weeks, and for most individuals in India the data says it loses money. This article compares the two side by side on … Read more >>
Compounding means your returns start earning returns of their own, so money grows faster the longer it stays invested. Time matters more than the amount you start with: at an assumed 12% a year, a ₹10,000 monthly SIP grows to about ₹1 crore in 20 years but about ₹3.5 crore in 30. This guide shows … Read more >>
Asset allocation is how you divide your money between asset classes such as equity, debt, gold, real estate and cash. It matters because it largely decides how much your portfolio swings from year to year, and therefore whether you can stay invested long enough to reach your goals. This guide covers the main asset classes … Read more >>
The best long-term investment strategy is the one you can stick with for 15 to 30 years: a simple, low-cost plan matched to your goals, funded regularly and left alone through market falls. For most Indian investors that means a core of diversified equity funds bought through a monthly SIP, some debt for stability, and … Read more >>
Small-cap funds can deliver some of the highest long-term returns in Indian equity, but they have also lost 50–75% in past crashes. Five established funds worth shortlisting are Nippon India Small Cap, SBI Small Cap, Axis Small Cap, HDFC Small Cap and Kotak Small Cap. Each has more than ten years of history and a … Read more >>
A mutual fund pools money from many investors into one scheme, while a portfolio management service (PMS) runs a separate portfolio of shares in your own name, with a minimum investment of ₹50 lakh. For most investors a low-cost mutual fund is the better fit; a PMS only makes sense if you have a large … Read more >>