How AI Can Change Mutual Fund Investing
Artificial Intelligence (AI) is changing mutual fund investing by helping you make faster, more informed decisions through better data analysis, risk insights, and fund selection support. Investing has always been about making the best possible decisions with incomplete information. But today, the problem is no longer a lack of data—it’s the overwhelming amount of it. […]
Inherited Mutual Funds From a Parent? Here’s the Tax and Transfer Process You Need to Know in India
If you’ve inherited mutual funds from a parent, the first thing you should know is this: India does not have an inheritance tax. Simply receiving mutual fund units from your parent does not create an immediate tax liability. However, taxes may apply later when you redeem or sell those units. At the same time, you’ll […]
What To Do When Your Mutual Fund Underperforms: A Practical Investor’s Guide
If your mutual fund is underperforming, don’t rush to redeem it. The right approach is to compare its performance against its benchmark and category peers, understand the reason behind the lag, and evaluate whether the underperformance is temporary or a long-term concern. Not every underperforming mutual fund needs to be replaced. Some funds go through […]
How Many Mutual Funds Should You Actually Own?
Many investors believe that the more mutual funds they own, the better diversified they are. It sounds logical on the surface. If one fund is good, five must be better, and ten must be even safer. The reality is often the opposite. For most investors, 3 to 5 mutual funds are enough to build a […]
Why Most SIPs Fail Before Wealth Creation Starts
Most SIPs fail before creating real wealth because investors stop too early. They panic during market corrections, expect quick returns, constantly monitor short-term performance, or invest without a long-term financial goal. The problem is rarely the SIP itself. In most cases, it is investor behaviour that breaks the compounding cycle before it has enough time […]
Mutual Fund Redemption and ITR Filing — Exactly Which Section to FillÂ
Redeeming mutual funds often feels like a simple financial action, but the real complexity starts when it reaches your Income Tax Return. Every redemption, whether it results in profit or loss, needs to be correctly reported under the appropriate schedule and section in your ITR form. Most tax notices and mismatches do not come from […]
Why Two People Investing the Same Amount in the Same Mutual Fund Still Earn Different Returns
Two people investing the same amount in the same mutual fund can still earn different returns because mutual fund performance is influenced by much more than just the fund itself. Factors like Direct vs Regular plans, investment timing, SIP dates, expense ratios, taxes, holding periods, and investor behaviour all affect the final wealth created over […]
Are NFO Returns Better During Bull Markets or Bear Markets?Â
An NFO does not automatically deliver better returns in either a bull market or a bear market. Its performance depends far more on the quality of the underlying portfolio, market valuations at the time of investment, and how effectively the fund manager deploys investor money. That said, market conditions do influence how an NFO begins […]
Mutual Funds for Someone With an Existing Home Loan EMI
Many home loan borrowers assume every extra rupee should go toward prepaying the loan. But in 2026, financial planning is no longer just about becoming debt-free quickly — it is also about continuing wealth creation alongside your EMI. With home loan interest rates generally between 8.25% and 9.5%, many investors now follow the “SIP + […]
Mutual Fund Is Down 20% — Should You Stop SIP or Continue?
No, a 20% market dip is usually not a reason to stop your SIP. In fact, market corrections are often the most effective phase for SIP investing because your fixed investment amount buys more mutual fund units at lower prices. Continuing your SIP during volatility helps reduce your average cost, maintain compounding, and position your […]
