An educational toolkit to understand Mutual Funds — SIP, Lump Sum, Goal Planner & Fund Comparison.
| Fund Type | Risk | Avg Return | Best For | Lock-in | LTCG Tax |
|---|---|---|---|---|---|
| 💰 Large Cap | Low–Med | 12–14% | Stable growth | None | 10% >₹1L |
| 🔥 Mid Cap | Medium | 14–18% | Aggressive LT | None | 10% >₹1L |
| ⚡ Small Cap | High | 16–22% | High risk-reward | None | 10% >₹1L |
| 🛡️ Debt Fund | Low | 6–8% | Capital safety | None | Slab rate |
| ⚖️ Hybrid | Medium | 10–13% | Balanced | None | 10% >₹1L |
| 🏆 ELSS | Medium | 12–15% | Tax saving 80C | 3 Years | 10% >₹1L |
| 🌍 Index Fund | Low–Med | 11–13% | Passive, low-cost | None | 10% >₹1L |
Invest a fixed amount every month regardless of market conditions. Small habit, massive wealth over time
Your returns earn returns. Starting at 25 vs 35 — the 10-year head start can double your final corpus.
Net Asset Value = per-unit price of a fund. ₹5000 at NAV ₹50 = 100 units. More units = more wealth.
SIP buys more units when markets fall, fewer when they rise — naturally averaging your cost over time.
Annual fund fee. 1% vs 0.5% on ₹10L over 20 years can cost ₹5L+. Always compare before investing.
Compound Annual Growth Rate — the steady yearly rate your investment would have grown. Best comparison metric.