Insights
Investing
Start with your goal, time horizon and ability to absorb a loss. These guides explain how mutual fund plans and SIPs work, including the costs and decisions that remain yours.
Understand mutual fund risks and costs
Direct vs regular mutual funds: what the difference actually costs
A direct plan and a regular plan hold exactly the same portfolio. The direct plan has a lower expense ratio because no distributor commission is paid from it, so it returns slightly more every year. Over a long holding period that small gap compounds into a real number, and it is worth knowing what you are paying for.
ReadWhat a SIP is, and what it is not
A systematic investment plan invests a fixed amount into a mutual fund at a fixed interval, usually monthly. It is not a product, not an asset class and not a guarantee of returns. It is a purchasing method, and the thing it buys you is not having to decide when to invest.
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