Invested in Mutual Funds, But Clueless About Performance? Let’s Fix That.

What Will You Learn?

• Why tracking your mutual fund portfolio is just as important as investing

• How long you should wait before evaluating your funds

• How to evaluate equity and debt mutual fund performance

• Key checklist points to decide when to remove or replace a mutual fund

• When to seek help from a SEBI Registered MF Advisor

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Already Invested — But Don’t Know What’s Happening with Your Money?

You're not alone.

Many investors start off excited — they invest in mutual funds through a friend, app, or bank.
Months go by… years pass… but they’ve never checked how those funds are doing.

If this sounds like you, don’t worry. This blog will help you gain clarity and take control.

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How Long Should You Wait Before Evaluating a Mutual Fund?

A common mistake is checking fund returns too early.
Mutual Funds are long-term investment vehicles.

Here’s a rule of thumb:

• Equity Mutual Funds – Wait at least 12 to 18 months before evaluating

• Debt Mutual Funds – Can be reviewed after 6 to 12 months

Short-term movements are normal. Don't panic if your fund isn’t performing well in the first few months.

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How to Evaluate Your Equity Mutual Funds

Equity funds are meant for long-term growth. Here’s how you can check if they’re doing well:

1. Compare with benchmark

2. Compare with peers in the same category

3. Review risk-adjusted returns

4. Check consistency in portfolio strategy

5. Monitor any manager or strategy changes

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How to Evaluate Your Debt Mutual Funds

Debt funds focus on safety and stability. Here’s what to review:

1. Credit quality of underlying holdings

2. Interest rate sensitivity (duration risk)

3. Performance vs similar funds and FDs

4. Expense ratio

5. Return stability across 1–3 years

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Checklist: When to Remove or Replace a Mutual Fund

Use this practical checklist to make portfolio decisions:

• Underperformed benchmark and peers for 1.5–2+ years

• No longer aligns with your financial goal or risk profile

• Frequent changes in fund manager or strategy

• High overlap with other funds in your portfolio

• Sharply increased risk or deviation from stated objective

• Expense ratio is too high

• Poor credit quality in debt funds

• Better alternatives now available

Too complicated? A SEBI Registered MF Advisor can simplify everything and help you make informed decisions.

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Recap: What Did We Learn Today?

• Investing is only the beginning — reviewing is equally important

• Evaluate equity funds after 12–18 months, and debt funds after 6–12 months

• Use objective performance measures, not just short-term returns

• Follow a checklist to know when to stay, switch, or exit

• Take expert help if you're unsure — it's your hard-earned money

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Final Verdict: Don’t Just Invest — Stay Informed and In Control

Mutual Funds can help build serious wealth — but only when they’re monitored and aligned to your goals.
Here’s what to keep in mind:

• Do a simple half-yearly or annual review of your investments

• Don’t panic on short-term volatility — focus on long-term consistency

• Match each fund to a goal — else, it’s just floating without purpose

• Use a clear checklist to identify underperformers

• And if you feel lost, don’t delay — consult a SEBI Registered Mutual Fund Advisor

Your portfolio deserves attention.
Your future deserves clarity.
And your wealth deserves smart action — not just blind hope.