Understanding Mutual Fund Performance

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Compare the performance of your mutual fund scheme with other schemes in the same segment to determine relative underperformance

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Understand that various factors, such as market fluctuations, can cause a decline in the net asset value (NAV) of your fund

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Negative performance should persist for at least two consecutive years before considering a change in the scheme

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Investigate if there has been a change in the fund manager If there have been no changes, check if the fund manager has communicated the reasons

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Consider that poor returns may be temporary due to the investment policy of the scheme, such as value-based approaches

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Evaluate all factors, including positive and negative situations faced by schemes, before deciding to withdraw your investment

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3 to 5 years, 25-30% 5 to 7 years, Upto 50% More than 7 years, 70-80%

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Gradually shift equity investments into debt as your investment tenure approaches its end, and consider a systematic withdrawal plan for stability

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Understanding Mutual Fund Performance

Compare the performance of your mutual fund scheme with other schemes in the same segment to determine relative underperformance

Analyzing Performance

Understand that various factors, such as market fluctuations, can cause a decline in the net asset value (NAV) of your fund

Reasons for Decline

Negative performance should persist for at least two consecutive years before considering a change in the scheme

Timeframe of Underperformance

Investigate if there has been a change in the fund manager If there have been no changes, check if the fund manager has communicated the reasons

Identifying the Cause

Consider that poor returns may be temporary due to the investment policy of the scheme, such as value-based approaches

Investment Policy Impact

Evaluate all factors, including positive and negative situations faced by schemes, before deciding to withdraw your investment

Comprehensive Evaluation

3 to 5 years, 25-30% 5 to 7 years, Upto 50% More than 7 years, 70-80%

Time period Vs. Equity Allocation

Time period Vs. Equity Allocation

Gradually shift equity investments into debt as your investment tenure approaches its end, and consider a systematic withdrawal plan for stability

Adjustments