Finance, Mutual Fund News, Personal Finance, SIP

What SEBI’s Fee Cut Means for Your Mutual Fund Returns

SEBI’s decision to cut mutual fund fees is great news for investors. Lower expense ratios mean more of your money stays invested, boosting long-term returns and compounding. This article explains, in simple terms, how these changes affect your portfolio, why expense ratios matter, and how beginners can take advantage of this cost reduction to grow their investments wisely

Modern financial blog header graph showing diverging SIP return lines: green 12% expected growth vs. red realistic outcome, with warning icon on stock market background. Text: 'Why 12% SIP return Assumption Can Fail You
SIP, Finance, Mutual Fund News, Personal Finance

Why a 12% SIP Return Assumption Can Destroy Long-Term Investment Plans

Many investors blindly assume a 12% annual return from SIPs and mutual funds, believing it’s a safe baseline for long-term wealth creation. However, this assumption is dangerously misleading. Historical averages hide the reality of market volatility, sequence of returns risk, inflation, taxes, and investor behavior — all of which can drastically reduce actual outcomes. Relying on a fixed 12% figure often leads to under-saving, unrealistic expectations, and shortfalls in retirement or goal planning.

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