International funds offer exposure to global markets and diversify your portfolio beyond Indian equities. They can help hedge currency risk and capture growth from developed markets like the US or emerging sectors like tech. However, they may carry higher volatility and global risks. Consider them as a small portion of your overall asset allocation after
A Fund of Funds invests in other mutual funds rather than investing directly in stocks, bonds or other securities. An FOF Scheme of a primarily invests in the units of another Mutual Fund scheme. It provides diversification across fund managers and strategies but comes with slightly higher costs due to layered expenses. FoFs are generally
Direct plans are purchased directly from the fund house without intermediaries and their total expense ratio does not include the distribution commission. Investors who are knowledgeable and can do their own research or they prefer paying separately for the advice from a registered investment advisor generally choose a direct plan. Regular plans include distributor commissions
Yes, SIPs are flexible. You can pause, increase, decrease, or stop your SIP at any time. This gives you control over your investments based on your changing income & expenses. Most fund houses allow SIP modifications online, making it easy to manage your investments without hassle.
No, investing in mutual funds is different from directly investing in the stock market. When you invest in stocks, you buy shares of specific companies and manage your portfolio yourself which requires time and expertise. In contrast, mutual funds pool money from investors and are managed by professional fund managers who invest in stocks, bonds,
A lump sum investment involves investing in a mutual fund at one time. This approach can be suitable if you either have a significant amount of money to invest or do not earn a consistent monthly income. However, you carry the risk of timing the market while investing lump sum money. An SIP (Systematic Investment
