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The Returns You See vs. The Returns You KeepThe advice to "stay invested" is easy to give. It's also suspiciously convenient when it comes from a fund manager who benefits when you don't leave.
So, we tested it. Eighteen flexi cap funds. Over a decade of data. A simulated investor who exits when their fund underperforms.
The answer is uncomfortable for different reasons than we anticipated.
Investor returns depend on two decisions. Which fund you pick, and what you do after you pick. Research suggests most investors get at least one wrong. The DALBAR Quantitative Analysis of Investor Behavior[i] estimates investors trail the very funds they invest in by nearly 2% annually. Morningstar's Mind the Gap 2025 report[ii] found a 1% gap over a decade.Anoop Vijaykumar10 Mar 2026Analysis & Commentary
Intellect Design Arena: Riding The AI WaveIntellect Design Arena, a Chennai-based FinTech giant, leverages AI and cloud platforms like eMACH.ai and Purple Fabric to revolutionize banking, insurance, ...Capitalmind Team4 Jul 2025Analysis & Commentary
Ixigo Rides Along, As India Travels More. But, Can It Keep Up The Pace?An analysis of eighteen flexi cap funds over a decade of data, testing whether reacting to underperformance by switching actually helps investors.Anoop Vijaykumar4 Jul 2025Analysis & Commentary
Why SIPs Still Beat Timing the MarketSystematic, unglamorous investing continues to outperform the average attempt at calling market tops and bottoms — the data on Indian mutual fund flows backs this up.Deepak Shenoy19 Aug 2024Investment InformationReading the RBI's Playbook for FY25Inflation, liquidity, and the rupee are pulling the RBI's Monetary Policy Committee in different directions this year — here's how we're reading the signals.Deepak Shenoy10 Jun 2024Macro ResearchFive Portfolio Mistakes We See Every Client Make OnceAfter reviewing thousands of portfolios, the same five structural mistakes keep showing up — and they're all fixable before they cost real money.Deepak Shenoy22 Mar 2024Analysis & CommentaryLatest Playlists & Podcasts
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