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Investor guides
Straight answers to the questions Indian investors ask most, with figures worked out from our own fund data and updated every weekday.
Regular vs Direct mutual funds: what the extra cost buysRegular and Direct plans hold the same portfolio; Regular typically costs 0.98% a year more. What that costs over 20 years, what it pays…How to choose a mutual fund: a six-step checkA practical six-step check for choosing an equity mutual fund in India: category, the right index, rolling returns, risk, cost and overlap,…SIP or lump sum? What the data saysSIP or lump sum: the maths, what happened to SIPs started at the last market high, how often 3-year holdings made money, and a simple rule…Mutual fund overlap: why owning six funds can mean owning onePortfolio overlap explained with real data: how much India's largest funds share, why a typical large cap fund looks like a Nifty 50 index…Tax on mutual fund gains in 2025-26: LTCG, STCG and how to saveHow equity and debt mutual fund gains are taxed in 2025-26: 12.5% LTCG above ₹1.25 lakh, 20% STCG, debt funds at slab, and legal ways to…PMS vs mutual funds: costs, tax and who each suitsPMS vs mutual funds compared: ₹50 lakh minimum, concentration, fees and their compounding cost, how each is taxed, and a simple way to…Index funds vs active funds in India: who wins?How many Indian active equity funds beat their index: 116 of 232 over 3 years. Where active funds earn their fee, where index funds win,…