Mutual Fund Face-offs
Growth or IDCW, flexi or multi cap, NFO or existing fund — the choices inside the fund world, decided.
Lessons
- Growth vs IDCW (Dividend) OptionSame fund, two plumbing choices. One compounds quietly; the other hands you taxable pieces of your own money.
- Flexi Cap vs Multi CapOne word apart, one rule apart: whether the manager MUST hold mid and small caps, or merely may.
- NFO vs Existing FundThe ₹10 NAV is not "cheap" — it is just a smaller slice size. Why new funds are usually the worse deal.
- Does Your SIP Date Matter?The most-asked, least-consequential SIP question — with the data, and the one date rule that DOES matter.
- XIRR vs CAGR: Measuring SIP Returns RightYour SIP shows 9% while the fund shows 14% — neither number is lying. Which one describes YOUR money?
- Hybrid Fund vs DIY Equity + DebtOne fund that rebalances for you, or two funds you rebalance yourself — the tax rule that tilts the game.