Help Center
Clear answers to common mutual fund, SIP, and portfolio planning questions. Use this page as a quick decision reference.
Start with an amount you can sustain every month. Consistency over years matters more than a large first contribution.
For most beginners, one to three well-selected funds aligned to goals are enough to start.
Usually no. SIP is designed to work through market cycles, so delaying often reduces compounding time.
Quarterly is generally sufficient for long-term investors. Frequent checking can cause unnecessary switching.
Rebalance when allocation drifts beyond predefined bands or when a major goal timeline changes.
A better approach is goal-wise sleeves because each goal has a different horizon and risk tolerance.
No. Consistency, risk-adjusted return, and portfolio fit are usually more important than one period's top return.
Self-managed investing may suit experienced users, while guided investing suits investors who prefer ongoing support.
Limit similar category funds and review top holdings to ensure true diversification across your portfolio.
Recheck goal horizon and allocation policy first. Avoid panic redemptions if your plan remains valid.
Redeem for planned goal usage, allocation correction, or if a fund no longer matches your strategy.
Yes. Debt funds can have interest-rate and credit risks. Category choice should match goal horizon and risk profile.
A small annual cost difference compounds significantly over long holding periods.
Yes. Post-tax outcomes can differ materially from headline return numbers.
It is a charge for early redemption in some schemes and reduces your net redemption value.