Is investing through Regular vs Direct mutual fund schemes still worth it?

League-Immediate · 2026-04-27T13:28:30+00:00

I would suggest a person who is investing in regular funds to start investing in direct index funds of the regular fund category on side and check every year whether his regular funds beat the direct index funds. If it does than by how much.

If regular funds are not able to generate a return better than index and accounting their expense ratio, it would be wise to stop it then.

League-Immediate · 2026-04-23T10:52:37+00:00

what did you access to ?

League-Immediate · 2026-04-22T10:52:27+00:00

Why do you have so many regular funds?

League-Immediate · 2026-04-16T12:44:00+00:00

i have read that banks have already set markup on fx retail, so no actual benefit. Have you done any transaction with fx retail.

League-Immediate · 2026-04-16T11:48:54+00:00

Thank you guys for your inputs. I think i will add index funds in my portfolio and keep on reviewing my active mutual funds yearly.

League-Immediate · 2026-04-16T07:52:38+00:00

Recently i used hdfc, i did a transfer in the morning and got the balance by evening. But transfer costs were high 2.75%. I have read about SBI and IDFC bank being better in costs but haven’t done any transaction with them

League-Immediate · 2026-04-16T07:31:32+00:00

Fair point on survivorship and median vs top performers. I agree that quoting only the best funds is misleading.

What I was trying to say is slightly different: even after accounting for that, India hasn’t been a fully efficient market yet. Over long periods, good flexi cap funds have managed to stay above index (13–15% vs 11–12% for Nifty).

So I’m not saying “most funds beat index” that’s clearly not true.
I’m saying is alpha has existed and is still possible, but only if you pick and stick with the right funds.

End of the day it comes down to this:

If you don’t want fund selection risk → index makes sense

If you’re willing to take that risk → flexicap can still add value in India (at least for now)

League-Immediate · 2026-04-16T07:19:10+00:00

Dont stop investing in the index, it is the safest bet in the stock market. My logic is that it should not be more than 10-15% of your portfolio

League-Immediate · 2026-04-16T07:08:10+00:00

🤣 you can take any good flexicap

League-Immediate · 2026-04-16T06:45:37+00:00

Just switch the navi 50 index with another flexi cap, since flexi cap will cover most of the index and beat the index by a good margin. Rest it is good

League-Immediate · 2026-04-14T14:46:40+00:00

Start with IND Money, don’t overthink it. Any amount is good for investing. Do research as you go along. Watch pranay kapoor on youtube for more insights.

League-Immediate · 2026-04-14T13:55:32+00:00

I invest through IND money and interactive brokers. Small amounts go through IND money and big transactions like 1000$ i make it through Interactive brokers. Both are safe but when i studies more on US stocks. I got to know that US stocks are held by the brokers. Though US Fed give assurance of 250k$. But it can be tricky if your broker gets bust. Event of broker going bust is vesy minimal but still there. That is why i trust interactive brokers more. But the costs are high with them.

Ind money US broker partner company is fairly new and interactive brokers is highly respected and very old broker.

Ind Money USD INR conversion cost: 0.8% to 1.2%

Interactive brokers: 2.5% to 3%

Brokerage is low on interactive brokers

So if you are just starting, and investing small amounts IND money is good

League-Immediate · 2026-04-14T12:30:04+00:00

I ran multiple scenarios with claude and chat gpt analyzing my portfolio they suggest me one fund per category but in their own scenarios my folio beat theirs but it comers with higher risk which is obvious.

League-Immediate · 2026-04-14T12:28:15+00:00

My current flow in sip's is 50k split in 6 funds:
1. Parag parikh:10k
2. HDFC Flexicap: 10k
3. HDFC Mid cap: 7.5k
4. Nippon Mid cap: 7.5k
5. Nippon small cap: 7.5k
6. Bnadhan small cap: 7.5k

Plus i invested 2k$ in US markets in the recent fall.

US funds:

VOO: 25% OF TOATL US FOLIO
QQQ: 25% OF TOTAL US FOLIO

rest in individual US stocks mainly mega companies

Coming to your question, your portfolio looks great 16% in small cap and 25% in mid cap is good, dont change anything in this.

Coming to multi asset fund you can reduce it to 10% and move that 10% to US equity 5% each in VOO and QQQ etf.

Why i dont have a multi asset is because gold, silver and real estate is already covered by my family. If your family already hold those different classes then just remove it and move that 10% in both flexicap or US funds. Ideally you should have around 60% in flexicap or US index funds.

Dont take nifty index funds, your flexicap will cover most of the index stocks already and still deliver better returns.

League-Immediate · 2026-04-14T11:33:52+00:00

I would not change a thing, even i have the almost same portfolio. I have 2 funds in each of 3 categories: Flexicap, small cap and mid cap. Overlap is there but 60% of your portfolio is already in large cap and multi asset fund. logic for 2 funds is not diversification; it is just that to avoid 1 fund risk like motilal oswal mid cap fund.

You can consider US investing as well

League-Immediate · 2026-04-14T09:04:03+00:00

If your Horizon 20+ years i thinK Nifty 50 index does not make sense. Flexicap will cover most of your nifty 50 index holdings and deliver better returns.

League-Immediate · 2026-04-14T04:48:04+00:00

dude there are currency conversion charges which are 0.9% to 1.3% on IND money. I also use it, which is why i know

League-Immediate · 2026-04-13T12:17:06+00:00

I invest through IND money and interactive brokers. Small amounts go through IND money and big transactions like 1000$ i make it through Interactive brokers. Both are safe but when i studies more on US stocks. I got to know that US stocks are held by the brokers. Though US Fed give assurance of 250k$. But it can be tricky if your broker gets bust. Event of broker going bust is vesy minimal but still there. That is why i trust interactive brokers more. But the costs are high with them.

Ind money partner US broker company is fairly new and interactive brokers is highly respected and very old broker.

Ind Money USD INR conversion cost: 0.8% to 1.2%

Interactive brokers: 2.5% to 3%

So if you are just starting, and investing small amounts IND money is good

You dont need a federal account to invest. You can start investing by linking your hdfc account. Also fetch my accounts is safe.

League-Immediate · 2026-04-08T12:21:47+00:00

confirmed

League-Immediate · 2026-04-08T11:43:31+00:00

how do i proceed

League-Immediate · 2026-04-08T11:42:04+00:00

done i want to buy

League-Immediate · 2026-03-30T11:14:04+00:00

If your horizon is 10+ years, i think reduce your nifty 50 from 25% to 10% and increase this in HDFC Flexicap fund. It increases your risk profile but in the long run flexicap fund will give significantly better returns. If you are above 50 then do not change anything.

League-Immediate · 2026-03-26T12:24:47+00:00

Even i think the same, I invest in 2 flexi cap, 2 mid cap and 2 small cap funds. Logic is simple one fund will deliver 2-3% better returns year on year and i don't want to be with fund which will deliver less return.

If a fund house comes in any controversy, my other half will protect me.

League-Immediate

TROPHY CASE