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Learn to choose funds that fit you

Short, plain-language guides from my own journey. No jargon walls, no tips, just how things work so you can decide for yourself.

Start here · 7 min read

Your own stock rules, or a mutual-fund-only folio?

Running your own rules-based stock basket versus simply holding mutual funds: taxes on rebalancing, DP and transaction charges, effort, and how to pick what fits your journey.

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  1. Choosing a fund category for your goal

    How to match mutual fund categories (liquid, debt, hybrid, large cap, flexi cap, mid and small cap, index, ELSS) to your goal and time horizon.

    6 min read

  2. Direct vs regular plans: the same fund at a different price

    Every mutual fund comes in a direct and a regular plan. Same portfolio, different expense ratio. Here's what the difference costs over time.

    4 min read

  3. SIP or lump sum?

    How a monthly SIP and a one-time lump sum differ, what rupee-cost averaging really does, and how to decide.

    4 min read

  4. How to read a fund's past returns

    Absolute vs annualised returns, trailing returns, worst falls and consistency: what past numbers can and can't tell you about a mutual fund.

    5 min read

Everything here is educational, not advice for your situation. I'm not a SEBI-registered adviser. Want to see real numbers? Try the fund explorer.