More mutual fund content coming soon
Fund selection guides, SIP optimization, and tax-efficient withdrawal strategies.
Mutual fund guides
01
Guide · 5 min
Read →Your 15% CAGR fund gives 11.8% after expense ratio + LTCG
1.5% expense ratio + 12.5% LTCG tax silently eats your returns.
02
Analysis · 6 min
Read →Direct vs regular: the 1% that costs you ₹12L over 20 years
Regular plans pay distributors 0.5-1.5% annually from your returns.
03
Guide · 5 min
Read →SIP returns: advertised vs actual after all charges
Use XIRR not CAGR. Actual SIP return is 2-3% lower than advertised.
Frequently asked questions
Why is my SIP return lower than the fund return?
Funds show CAGR (lump-sum return). SIPs earn XIRR (time-weighted). Recent SIPs have barely grown, pulling down the average. XIRR is always lower than CAGR for SIPs.
Should I switch from regular to direct?
Yes. The 0.5-1.5% annual expense difference compounds to ₹8-12L on a ₹10K SIP over 20 years. Switch via Groww, Kuvera, or AMC website.
How much does LTCG tax reduce my returns?
Equity LTCG above ₹1.25L gains is taxed at 12.5%. On a ₹12L investment growing to ₹28L, tax is ~₹1.8L. Effective return drops from 15% to ~12.5%.
The honest number on every financial product
Advertised vs actual across all categories.