Investors Pathshala – Day 5
Rise Daily With One Financial Lesson
An Initiative by Niveshnama Financial Academy
✅ How to Choose the Right Mutual Fund
“Mutual funds are like vehicles – choose based on your destination.”
🎯 Step 1: Define Your Objective
- Retirement in 20 years → Equity Mutual Fund
- Emergency Fund → Liquid Fund
- Tax Saving → ELSS
✅ Fund Categories
| Type | Risk | Use |
|---|---|---|
| Equity | High | Long-term growth |
| Hybrid | Medium | Balanced investors |
| Debt | Low | Short-term safety |
| Index | Medium | Passive investing |
| ELSS | High | Tax Saving (3yr lock) |
✅ Direct vs Regular Plans – Which to Choose?
| Plan Type | Cost | Support | Best For |
|---|---|---|---|
| Direct Plan | Low | ❌ No advisor | DIY Investors |
| Regular Plan | Slightly Higher | ✅ Expert Guidance | Beginners / Goal-Based Investors |
Many investors underperform with Direct Plans due to wrong fund choices and no expert support.
📱 Invest Smart Using These Apps
- nivesh App – Mutual Funds with advisor support
- Wealthy App – Personalized goal-based investing (Use referral code NITHY10)
- Prudent App – Mutual funds + stocks in one place
📌 Final Checklist (7 Factors)
- Performance: 3/5/10 yrs
- Risk Metrics: Sharpe, Std Dev
- Fund Manager Experience
- Expense Ratio
- AUM size
- Exit Load & Lock-in
- Portfolio Diversification
📅 Tomorrow’s Topic (Day 6): Power of Compounding – The 8th Wonder of the World
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