{"id":8200,"date":"2025-03-22T17:00:08","date_gmt":"2025-03-22T11:30:08","guid":{"rendered":"https:\/\/aktassociates.com\/blog\/?p=8200"},"modified":"2025-03-22T10:59:41","modified_gmt":"2025-03-22T05:29:41","slug":"a-simple-guide-to-starting-investment-journey-with-mutual-funds","status":"publish","type":"post","link":"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/","title":{"rendered":"A Simple Guide to Starting Investment Journey with Mutual Funds"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_66_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >In this article, we will discuss about...<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #1e73be;color:#1e73be\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #1e73be;color:#1e73be\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Introduction\" title=\"Introduction\">Introduction<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Investing_can_seem_overwhelming_especially_when_youre_just_getting_started_Weve_already_talked_about_the_foundation_of_financial_security%E2%80%94having_health_and_life_insurance_Now_lets_move_on_to_Level_One_of_investing_mutual_funds\" title=\"Investing can seem overwhelming, especially when you&#8217;re just getting started. We&#8217;ve already talked about the foundation of financial security\u2014having health and life insurance. Now, let\u2019s move on to Level One of investing: mutual funds.\">Investing can seem overwhelming, especially when you&#8217;re just getting started. We&#8217;ve already talked about the foundation of financial security\u2014having health and life insurance. Now, let\u2019s move on to Level One of investing: mutual funds.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#But_before_jumping_in_theres_one_crucial_step%E2%80%94building_an_emergency_fund_You_should_have_at_least_3_to_6_months_of_expenses_saved_in_a_safe_investment_like_a_Fixed_Deposit_FD_This_fund_acts_as_a_safety_net_in_case_of_emergencies_like_job_loss_so_you_dont_have_to_sell_your_investments_at_a_loss\" title=\"But before jumping in, there&#8217;s one crucial step\u2014building an emergency fund. You should have at least 3 to 6 months of expenses saved in a safe investment like a Fixed Deposit (FD). This fund acts as a safety net in case of emergencies like job loss, so you don\u2019t have to sell your investments at a loss.\">But before jumping in, there&#8217;s one crucial step\u2014building an emergency fund. You should have at least 3 to 6 months of expenses saved in a safe investment like a Fixed Deposit (FD). This fund acts as a safety net in case of emergencies like job loss, so you don\u2019t have to sell your investments at a loss.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Once_your_emergency_fund_is_in_place_you_can_confidently_start_investing_in_mutual_funds\" title=\"Once your emergency fund is in place, you can confidently start investing in mutual funds.\">Once your emergency fund is in place, you can confidently start investing in mutual funds.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#I_wont_bore_you_with_definitions%E2%80%94you_probably_already_know_what_mutual_funds_are_Instead_Ill_focus_on_how_to_invest_wisely_and_avoid_common_mistakes_so_you_can_build_wealth_without_unnecessary_stress\" title=\"I won\u2019t bore you with definitions\u2014you probably already know what mutual funds are. Instead, I\u2019ll focus on how to invest wisely and avoid common mistakes, so you can build wealth without unnecessary stress.\">I won\u2019t bore you with definitions\u2014you probably already know what mutual funds are. Instead, I\u2019ll focus on how to invest wisely and avoid common mistakes, so you can build wealth without unnecessary stress.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Level_One_Getting_Started_with_Mutual_Funds\" title=\"Level One: Getting Started with Mutual Funds\">Level One: Getting Started with Mutual Funds<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#You_dont_need_a_huge_sum_to_start_investing_Even_if_you_have_just_%E2%82%B95000_or_%E2%82%B910000_you_can_begin_with_a_Systematic_Investment_Plan_SIP\" title=\"You don\u2019t need a huge sum to start investing. Even if you have just \u20b95,000 or \u20b910,000, you can begin with a Systematic Investment Plan (SIP).\">You don\u2019t need a huge sum to start investing. Even if you have just \u20b95,000 or \u20b910,000, you can begin with a Systematic Investment Plan (SIP).<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Many_people_hesitate_to_invest_because_they_think_they_need_a_lot_of_money_or_fear_taking_risks_Some_even_make_the_mistake_of_jumping_straight_into_trading_which_can_be_risky\" title=\"Many people hesitate to invest because they think they need a lot of money or fear taking risks. Some even make the mistake of jumping straight into trading, which can be risky.\">Many people hesitate to invest because they think they need a lot of money or fear taking risks. Some even make the mistake of jumping straight into trading, which can be risky.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Investing_is_Like_Learning\" title=\"Investing is Like Learning\">Investing is Like Learning<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Investing_is_a_step-by-step_process_just_like_learning_You_wouldnt_skip_grades_in_school_right_Similarly_you_should_build_financial_knowledge_and_stability_before_taking_bigger_risks\" title=\"Investing is a step-by-step process, just like learning. You wouldn\u2019t skip grades in school, right? Similarly, you should build financial knowledge and stability before taking bigger risks.\">Investing is a step-by-step process, just like learning. You wouldn\u2019t skip grades in school, right? Similarly, you should build financial knowledge and stability before taking bigger risks.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#When_you_start_earning_focus_on\" title=\"When you start earning, focus on:\">When you start earning, focus on:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Career_growth_and_skill_development_first\" title=\"Career growth and skill development first.\">Career growth and skill development first.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Avoiding_get-rich-quick_schemes_like_speculative_stock_trading_or_cryptocurrency_investing_without_proper_knowledge\" title=\"Avoiding get-rich-quick schemes, like speculative stock trading or cryptocurrency investing without proper knowledge.\">Avoiding get-rich-quick schemes, like speculative stock trading or cryptocurrency investing without proper knowledge.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#As_a_Chartered_Accountant_Ive_seen_many_people_in_their_40s_struggling_due_to_poor_financial_choices_made_in_their_20s_and_30s\" title=\"As a Chartered Accountant, I\u2019ve seen many people in their 40s struggling due to poor financial choices made in their 20s and 30s.\">As a Chartered Accountant, I\u2019ve seen many people in their 40s struggling due to poor financial choices made in their 20s and 30s.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Some_lost_money_due_to_risky_trading_while_others_invested_in_startups_without_proper_research_Even_Bill_Gates_has_expressed_concerns_about_cryptocurrencies_If_a_billionaire_is_cautious_we_should_be_too\" title=\"Some lost money due to risky trading, while others invested in startups without proper research. Even Bill Gates has expressed concerns about cryptocurrencies. If a billionaire is cautious, we should be too!\">Some lost money due to risky trading, while others invested in startups without proper research. Even Bill Gates has expressed concerns about cryptocurrencies. If a billionaire is cautious, we should be too!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#The_key_to_building_wealth_is_stability_and_discipline_Instead_of_chasing_an_extra_1-2_return_in_the_stock_market_focus_on_growing_your_income_A_higher_salary_means_more_money_to_invest_smartly_over_time\" title=\"The key to building wealth is stability and discipline. Instead of chasing an extra 1-2% return in the stock market, focus on growing your income. A higher salary means more money to invest smartly over time.\">The key to building wealth is stability and discipline. Instead of chasing an extra 1-2% return in the stock market, focus on growing your income. A higher salary means more money to invest smartly over time.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Why_Start_with_SIP\" title=\"Why Start with SIP?\">Why Start with SIP?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#A_common_question_is_Should_I_invest_through_SIP_or_a_lump_sum\" title=\"A common question is: Should I invest through SIP or a lump sum?\">A common question is: Should I invest through SIP or a lump sum?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#The_simplest_way_to_start_is_with_SIP_because_it_helps_you_develop_financial_discipline_Even_if_you_invest_just_%E2%82%B95000_per_month_it_builds_a_habit_of_consistent_investing\" title=\"The simplest way to start is with SIP because it helps you develop financial discipline. Even if you invest just \u20b95,000 per month, it builds a habit of consistent investing.\">The simplest way to start is with SIP because it helps you develop financial discipline. Even if you invest just \u20b95,000 per month, it builds a habit of consistent investing.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#The_Power_of_Starting_Early\" title=\"The Power of Starting Early\">The Power of Starting Early<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Investing_%E2%82%B95000_per_month_from_age_25_gives_you_the_same_financial_outcome_as\" title=\"Investing \u20b95,000 per month from age 25 gives you the same financial outcome as\">Investing \u20b95,000 per month from age 25 gives you the same financial outcome as<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Investing_%E2%82%B950000_per_month_from_age_35\" title=\"Investing \u20b950,000 per month from age 35\">Investing \u20b950,000 per month from age 35<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Thats_the_power_of_compounding\" title=\"That\u2019s the power of compounding!\">That\u2019s the power of compounding!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#When_you_receive_extra_money_like_a_bonus_you_can_add_a_lump_sum_investment_ideally_when_the_market_is_down_But_remember%E2%80%94always_start_with_SIP\" title=\"When you receive extra money, like a bonus, you can add a lump sum investment, ideally when the market is down. But remember\u2014always start with SIP.\">When you receive extra money, like a bonus, you can add a lump sum investment, ideally when the market is down. But remember\u2014always start with SIP.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Direct_vs_Broker_Investment\" title=\"Direct vs. Broker Investment\">Direct vs. Broker Investment<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Should_You_Invest_Directly_or_Through_a_Broker\" title=\"Should You Invest Directly or Through a Broker?\">Should You Invest Directly or Through a Broker?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#You_can_invest\" title=\"You can invest:\">You can invest:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Directly_through_your_bank_BSE_or_online_platforms_like_Zerodha_Coin\" title=\"Directly (through your bank, BSE, or online platforms like Zerodha Coin)\">Directly (through your bank, BSE, or online platforms like Zerodha Coin)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Through_a_broker_if_they_provide_valuable_advice\" title=\"Through a broker (if they provide valuable advice)\">Through a broker (if they provide valuable advice)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Why_Invest_Directly\" title=\"Why Invest Directly?\">Why Invest Directly?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Broker_fees_add_up_significantly_over_5-10_years\" title=\"Broker fees add up significantly over 5-10 years.\">Broker fees add up significantly over 5-10 years.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Investing_directly_saves_money_and_increases_returns\" title=\"Investing directly saves money and increases returns.\">Investing directly saves money and increases returns.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#If_your_broker_doesnt_add_much_value_why_pay_extra_fees\" title=\"If your broker doesn\u2019t add much value, why pay extra fees?\">If your broker doesn\u2019t add much value, why pay extra fees?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Growth_vs_Dividend_Reinvestment\" title=\"Growth vs. Dividend Reinvestment\">Growth vs. Dividend Reinvestment<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#When_choosing_a_mutual_fund_always_go_for_the_Growth_option_instead_of_Dividend_Reinvestment\" title=\"When choosing a mutual fund, always go for the Growth option instead of Dividend Reinvestment.\">When choosing a mutual fund, always go for the Growth option instead of Dividend Reinvestment.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Growth_Option_Your_investment_compounds_without_unnecessary_taxation\" title=\"Growth Option: Your investment compounds without unnecessary taxation.\">Growth Option: Your investment compounds without unnecessary taxation.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Dividend_Reinvestment_Dividends_get_taxed_before_reinvestment_reducing_long-term_returns\" title=\"Dividend Reinvestment: Dividends get taxed before reinvestment, reducing long-term returns.\">Dividend Reinvestment: Dividends get taxed before reinvestment, reducing long-term returns.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#If_you_want_higher_long-term_returns_Growth_is_the_better_choice\" title=\"If you want higher long-term returns, Growth is the better choice.\">If you want higher long-term returns, Growth is the better choice.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Open-Ended_vs_Close-Ended_Mutual_Funds\" title=\"Open-Ended vs. Close-Ended Mutual Funds\">Open-Ended vs. Close-Ended Mutual Funds<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Two_Main_Types_of_Mutual_Funds\" title=\"Two Main Types of Mutual Funds\">Two Main Types of Mutual Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Close-Ended_Funds\" title=\"Close-Ended Funds:\">Close-Ended Funds:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Have_a_fixed_lock-in_period_eg_3_years\" title=\"Have a fixed lock-in period (e.g., 3 years).\">Have a fixed lock-in period (e.g., 3 years).<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Often_offer_higher_returns_since_fund_managers_can_invest_for_the_long_term\" title=\"Often offer higher returns since fund managers can invest for the long term.\">Often offer higher returns since fund managers can invest for the long term.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Traded_on_stock_exchanges_so_you_can_sell_if_needed\" title=\"Traded on stock exchanges, so you can sell if needed.\">Traded on stock exchanges, so you can sell if needed.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Open-Ended_Funds\" title=\"Open-Ended Funds:\">Open-Ended Funds:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Allow_continuous_investment_and_withdrawal\" title=\"Allow continuous investment and withdrawal.\">Allow continuous investment and withdrawal.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-47\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Often_provide_lower_returns_since_fund_managers_must_keep_liquidity_available\" title=\"Often provide lower returns since fund managers must keep liquidity available.\">Often provide lower returns since fund managers must keep liquidity available.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-48\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#If_you_dont_need_your_money_for_at_least_3_years_a_close-ended_fund_may_be_a_better_option_Since_you_already_have_an_emergency_fund_you_wont_need_quick_access_to_this_money\" title=\"If you don\u2019t need your money for at least 3 years, a close-ended fund may be a better option. Since you already have an emergency fund, you won\u2019t need quick access to this money.\">If you don\u2019t need your money for at least 3 years, a close-ended fund may be a better option. Since you already have an emergency fund, you won\u2019t need quick access to this money.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-49\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Top_5_Mutual_Fund_Categories\" title=\"Top 5 Mutual Fund Categories\">Top 5 Mutual Fund Categories<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-50\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Instead_of_searching_for_the_%E2%80%9Cbest%E2%80%9D_mutual_fund_focus_on_these_five_proven_categories_with_a_strong_5-year_track_record\" title=\"Instead of searching for the &#8220;best&#8221; mutual fund, focus on these five proven categories with a strong 5-year track record:\">Instead of searching for the &#8220;best&#8221; mutual fund, focus on these five proven categories with a strong 5-year track record:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-51\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#1_Exchange_Traded_Funds_ETFs\" title=\"1. Exchange Traded Funds (ETFs)\">1. Exchange Traded Funds (ETFs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-52\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Low-cost_investment_expense_ratio_016\" title=\"Low-cost investment (expense ratio ~0.16%)\">Low-cost investment (expense ratio ~0.16%)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-53\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Track_market_indices_like_Nifty\" title=\"Track market indices like Nifty\">Track market indices like Nifty<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-54\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Passively_managed_removes_human_error\" title=\"Passively managed (removes human error)\">Passively managed (removes human error)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-55\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Best_for_first-time_investors\" title=\"Best for first-time investors\">Best for first-time investors<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-56\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#2_Large-Cap_Mutual_Funds\" title=\"2. Large-Cap Mutual Funds\">2. Large-Cap Mutual Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-57\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Invest_in_top_100_blue-chip_companies_in_India\" title=\"Invest in top 100 blue-chip companies in India\">Invest in top 100 blue-chip companies in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-58\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Provide_stability_and_steady_growth\" title=\"Provide stability and steady growth\">Provide stability and steady growth<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-59\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Lower_risk_than_mid_or_small-cap_funds\" title=\"Lower risk than mid or small-cap funds\">Lower risk than mid or small-cap funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-60\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#3_Flexi-Cap_Mutual_Funds\" title=\"3. Flexi-Cap Mutual Funds\">3. Flexi-Cap Mutual Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-61\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Invest_across_large_mid_and_small-cap_stocks\" title=\"Invest across large, mid, and small-cap stocks\">Invest across large, mid, and small-cap stocks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-62\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Fund_managers_adjust_investments_based_on_market_conditions\" title=\"Fund managers adjust investments based on market conditions\">Fund managers adjust investments based on market conditions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-63\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Great_for_long-term_wealth_creation\" title=\"Great for long-term wealth creation\">Great for long-term wealth creation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-64\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#4_Contra_Mutual_Funds\" title=\"4. Contra Mutual Funds\">4. Contra Mutual Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-65\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Follow_a_contrarian_investment_strategy\" title=\"Follow a contrarian investment strategy\">Follow a contrarian investment strategy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-66\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Buy_undervalued_stocks_that_others_ignore\" title=\"Buy undervalued stocks that others ignore\">Buy undervalued stocks that others ignore<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-67\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Perform_well_during_market_corrections\" title=\"Perform well during market corrections\">Perform well during market corrections<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-68\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#By_investing_in_these_five_categories_you_can_create_a_well-balanced_portfolio_with_diversification_stability_and_long-term_growth\" title=\"By investing in these five categories, you can create a well-balanced portfolio with diversification, stability, and long-term growth.\">By investing in these five categories, you can create a well-balanced portfolio with diversification, stability, and long-term growth.<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-69\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Conclusion\" title=\"Conclusion:\u00a0\">Conclusion:\u00a0<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-70\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Mutual_funds_are_one_of_the_easiest_ways_to_start_investing_They_require_less_effort_than_trading_and_provide_steady_returns_over_time\" title=\"Mutual funds are one of the easiest ways to start investing. They require less effort than trading and provide steady returns over time.\">Mutual funds are one of the easiest ways to start investing. They require less effort than trading and provide steady returns over time.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-71\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Build_an_emergency_fund_first\" title=\"Build an emergency fund first\">Build an emergency fund first<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-72\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Start_with_SIP_not_a_lump_sum\" title=\"Start with SIP (not a lump sum)\">Start with SIP (not a lump sum)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-73\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Choose_Growth_over_Dividend_Reinvestment\" title=\"Choose Growth over Dividend Reinvestment\">Choose Growth over Dividend Reinvestment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-74\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Invest_directly_if_possible_to_save_on_fees\" title=\"Invest directly (if possible) to save on fees\">Invest directly (if possible) to save on fees<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-75\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#Select_the_right_categories_instead_of_chasing_individual_funds\" title=\"Select the right categories instead of chasing individual funds\">Select the right categories instead of chasing individual funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-76\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#If_you_keep_it_simple_and_stay_consistent_youll_be_on_your_way_to_building_long-term_wealth_the_smart_way\" title=\"If you keep it simple and stay consistent, you\u2019ll be on your way to building long-term wealth the smart way!\">If you keep it simple and stay consistent, you\u2019ll be on your way to building long-term wealth the smart way!<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><b>Introduction<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h4><span class=\"ez-toc-section\" id=\"Investing_can_seem_overwhelming_especially_when_youre_just_getting_started_Weve_already_talked_about_the_foundation_of_financial_security%E2%80%94having_health_and_life_insurance_Now_lets_move_on_to_Level_One_of_investing_mutual_funds\"><\/span><span style=\"font-weight: 400;\">Investing can seem overwhelming, especially when you&#8217;re just getting started. We&#8217;ve already talked about the foundation of financial security\u2014having health and life insurance. Now, let\u2019s move on to Level One of investing: mutual funds.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"But_before_jumping_in_theres_one_crucial_step%E2%80%94building_an_emergency_fund_You_should_have_at_least_3_to_6_months_of_expenses_saved_in_a_safe_investment_like_a_Fixed_Deposit_FD_This_fund_acts_as_a_safety_net_in_case_of_emergencies_like_job_loss_so_you_dont_have_to_sell_your_investments_at_a_loss\"><\/span><span style=\"font-weight: 400;\">But before jumping in, there&#8217;s one crucial step\u2014building an emergency fund. You should have at least 3 to 6 months of expenses saved in a safe investment like a Fixed Deposit (FD). This fund acts as a safety net in case of emergencies like job loss, so you don\u2019t have to sell your investments at a loss.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Once_your_emergency_fund_is_in_place_you_can_confidently_start_investing_in_mutual_funds\"><\/span><span style=\"font-weight: 400;\">Once your emergency fund is in place, you can confidently start investing in mutual funds.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"I_wont_bore_you_with_definitions%E2%80%94you_probably_already_know_what_mutual_funds_are_Instead_Ill_focus_on_how_to_invest_wisely_and_avoid_common_mistakes_so_you_can_build_wealth_without_unnecessary_stress\"><\/span><span style=\"font-weight: 400;\">I won\u2019t bore you with definitions\u2014you probably already know what mutual funds are. Instead, I\u2019ll focus on how to invest wisely and avoid common mistakes, so you can build wealth without unnecessary stress.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><b>Don\u2019t let reading hold you back, Watch our video instead<\/b><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/ooIxDqmjIWY?si=ooZOO2cFlL2tg7hD\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Level_One_Getting_Started_with_Mutual_Funds\"><\/span><b>Level One: Getting Started with Mutual Funds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"You_dont_need_a_huge_sum_to_start_investing_Even_if_you_have_just_%E2%82%B95000_or_%E2%82%B910000_you_can_begin_with_a_Systematic_Investment_Plan_SIP\"><\/span><span style=\"font-weight: 400;\">You don\u2019t need a huge sum to start investing. Even if you have just \u20b95,000 or \u20b910,000, you can begin with a Systematic Investment Plan (SIP).<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Many_people_hesitate_to_invest_because_they_think_they_need_a_lot_of_money_or_fear_taking_risks_Some_even_make_the_mistake_of_jumping_straight_into_trading_which_can_be_risky\"><\/span><span style=\"font-weight: 400;\">Many people hesitate to invest because they think they need a lot of money or fear taking risks. Some even make the mistake of jumping straight into trading, which can be risky.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h3><span class=\"ez-toc-section\" id=\"Investing_is_Like_Learning\"><\/span><b>Investing is Like Learning<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"Investing_is_a_step-by-step_process_just_like_learning_You_wouldnt_skip_grades_in_school_right_Similarly_you_should_build_financial_knowledge_and_stability_before_taking_bigger_risks\"><\/span><span style=\"font-weight: 400;\">Investing is a step-by-step process, just like learning. You wouldn\u2019t skip grades in school, right? Similarly, you should build financial knowledge and stability before taking bigger risks.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"When_you_start_earning_focus_on\"><\/span><span style=\"font-weight: 400;\">When you start earning, focus on:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Career_growth_and_skill_development_first\"><\/span><span style=\"font-weight: 400;\">Career growth and skill development first.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Avoiding_get-rich-quick_schemes_like_speculative_stock_trading_or_cryptocurrency_investing_without_proper_knowledge\"><\/span><span style=\"font-weight: 400;\">Avoiding get-rich-quick schemes, like speculative stock trading or cryptocurrency investing without proper knowledge.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-8203 aligncenter\" src=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2025\/03\/Untitled-design-2025-03-13T125900.591.png\" alt=\"Mutual Funds\" width=\"500\" height=\"300\" \/><\/p>\n<h4><span class=\"ez-toc-section\" id=\"As_a_Chartered_Accountant_Ive_seen_many_people_in_their_40s_struggling_due_to_poor_financial_choices_made_in_their_20s_and_30s\"><\/span><span style=\"font-weight: 400;\">As a Chartered Accountant, I\u2019ve seen many people in their 40s struggling due to poor financial choices made in their 20s and 30s.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Some_lost_money_due_to_risky_trading_while_others_invested_in_startups_without_proper_research_Even_Bill_Gates_has_expressed_concerns_about_cryptocurrencies_If_a_billionaire_is_cautious_we_should_be_too\"><\/span><span style=\"font-weight: 400;\">Some lost money due to risky trading, while others invested in startups without proper research. Even Bill Gates has expressed concerns about cryptocurrencies. If a billionaire is cautious, we should be too!<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"The_key_to_building_wealth_is_stability_and_discipline_Instead_of_chasing_an_extra_1-2_return_in_the_stock_market_focus_on_growing_your_income_A_higher_salary_means_more_money_to_invest_smartly_over_time\"><\/span><span style=\"font-weight: 400;\">The key to building wealth is stability and discipline. Instead of chasing an extra 1-2% return in the stock market, focus on growing your income. A higher salary means more money to invest smartly over time.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><a href=\"https:\/\/pages.razorpay.com\/akt-nri-tax-consulting\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-5246 size-full aligncenter\" src=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2023\/06\/Consult-CA-Arun-Tiwari-2.png\" alt=\"\" width=\"700\" height=\"150\" srcset=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2023\/06\/Consult-CA-Arun-Tiwari-2.png 700w, https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2023\/06\/Consult-CA-Arun-Tiwari-2-300x64.png 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/a><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_Start_with_SIP\"><\/span><b>Why Start with SIP?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"A_common_question_is_Should_I_invest_through_SIP_or_a_lump_sum\"><\/span><span style=\"font-weight: 400;\">A common question is: Should I invest through SIP or a lump sum?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"The_simplest_way_to_start_is_with_SIP_because_it_helps_you_develop_financial_discipline_Even_if_you_invest_just_%E2%82%B95000_per_month_it_builds_a_habit_of_consistent_investing\"><\/span><span style=\"font-weight: 400;\">The simplest way to start is with SIP because it helps you develop financial discipline. Even if you invest just \u20b95,000 per month, it builds a habit of consistent investing.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h3><span class=\"ez-toc-section\" id=\"The_Power_of_Starting_Early\"><\/span><b>The Power of Starting Early<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Investing_%E2%82%B95000_per_month_from_age_25_gives_you_the_same_financial_outcome_as\"><\/span><span style=\"font-weight: 400;\">Investing \u20b95,000 per month from age 25 gives you the same financial outcome as<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Investing_%E2%82%B950000_per_month_from_age_35\"><\/span><span style=\"font-weight: 400;\">Investing \u20b950,000 per month from age 35<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Thats_the_power_of_compounding\"><\/span><span style=\"font-weight: 400;\">That\u2019s the power of compounding!<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"When_you_receive_extra_money_like_a_bonus_you_can_add_a_lump_sum_investment_ideally_when_the_market_is_down_But_remember%E2%80%94always_start_with_SIP\"><\/span><span style=\"font-weight: 400;\">When you receive extra money, like a bonus, you can add a lump sum investment, ideally when the market is down. But remember\u2014always start with SIP.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-8204 aligncenter\" src=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2025\/03\/Untitled-design-2025-03-13T130138.220.png\" alt=\"SIP\" width=\"500\" height=\"300\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Direct_vs_Broker_Investment\"><\/span><b>Direct vs. Broker Investment<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"Should_You_Invest_Directly_or_Through_a_Broker\"><\/span><span style=\"font-weight: 400;\">Should You Invest Directly or Through a Broker?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"You_can_invest\"><\/span><span style=\"font-weight: 400;\">You can invest:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Directly_through_your_bank_BSE_or_online_platforms_like_Zerodha_Coin\"><\/span><span style=\"font-weight: 400;\">Directly (through your bank, BSE, or online platforms like Zerodha Coin)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Through_a_broker_if_they_provide_valuable_advice\"><\/span><span style=\"font-weight: 400;\">Through a broker (if they provide valuable advice)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Why_Invest_Directly\"><\/span><b>Why Invest Directly?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Broker_fees_add_up_significantly_over_5-10_years\"><\/span><span style=\"font-weight: 400;\">Broker fees add up significantly over 5-10 years.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Investing_directly_saves_money_and_increases_returns\"><\/span><span style=\"font-weight: 400;\">Investing directly saves money and increases returns.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"If_your_broker_doesnt_add_much_value_why_pay_extra_fees\"><\/span><span style=\"font-weight: 400;\">If your broker doesn\u2019t add much value, why pay extra fees?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h3><span class=\"ez-toc-section\" id=\"Growth_vs_Dividend_Reinvestment\"><\/span><b>Growth vs. Dividend Reinvestment<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"When_choosing_a_mutual_fund_always_go_for_the_Growth_option_instead_of_Dividend_Reinvestment\"><\/span><span style=\"font-weight: 400;\">When choosing a mutual fund, always go for the Growth option instead of Dividend Reinvestment.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Growth_Option_Your_investment_compounds_without_unnecessary_taxation\"><\/span><b>Growth Option:<\/b><span style=\"font-weight: 400;\"> Your investment compounds without unnecessary taxation.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Dividend_Reinvestment_Dividends_get_taxed_before_reinvestment_reducing_long-term_returns\"><\/span><b>Dividend Reinvestment: <\/b><span style=\"font-weight: 400;\">Dividends get taxed before reinvestment, reducing long-term returns.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"If_you_want_higher_long-term_returns_Growth_is_the_better_choice\"><\/span><span style=\"font-weight: 400;\">If you want higher long-term returns, Growth is the better choice.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-8206 aligncenter\" src=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2025\/03\/Add-a-heading-2025-03-13T132438.464.png\" alt=\"Growth vs Dividend Reinvestment\" width=\"500\" height=\"300\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Open-Ended_vs_Close-Ended_Mutual_Funds\"><\/span><b>Open-Ended vs. Close-Ended Mutual Funds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"Two_Main_Types_of_Mutual_Funds\"><\/span><span style=\"font-weight: 400;\">Two Main Types of Mutual Funds<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Close-Ended_Funds\"><\/span><b>Close-Ended Funds:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Have_a_fixed_lock-in_period_eg_3_years\"><\/span><span style=\"font-weight: 400;\">Have a fixed lock-in period (e.g., 3 years).<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Often_offer_higher_returns_since_fund_managers_can_invest_for_the_long_term\"><\/span><span style=\"font-weight: 400;\">Often offer higher returns since fund managers can invest for the long term.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Traded_on_stock_exchanges_so_you_can_sell_if_needed\"><\/span><span style=\"font-weight: 400;\">Traded on stock exchanges, so you can sell if needed.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Open-Ended_Funds\"><\/span><b>Open-Ended Funds:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Allow_continuous_investment_and_withdrawal\"><\/span><span style=\"font-weight: 400;\">Allow continuous investment and withdrawal.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Often_provide_lower_returns_since_fund_managers_must_keep_liquidity_available\"><\/span><span style=\"font-weight: 400;\">Often provide lower returns since fund managers must keep liquidity available.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"If_you_dont_need_your_money_for_at_least_3_years_a_close-ended_fund_may_be_a_better_option_Since_you_already_have_an_emergency_fund_you_wont_need_quick_access_to_this_money\"><\/span><span style=\"font-weight: 400;\">If you don\u2019t need your money for at least 3 years, a close-ended fund may be a better option. Since you already have an emergency fund, you won\u2019t need quick access to this money.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-8207 aligncenter\" src=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2025\/03\/Add-a-heading-2025-03-13T132951.378.png\" alt=\"Open Ended vs Close Ended Mutual Fund\" width=\"500\" height=\"300\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Top_5_Mutual_Fund_Categories\"><\/span><b>Top 5 Mutual Fund Categories<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"Instead_of_searching_for_the_%E2%80%9Cbest%E2%80%9D_mutual_fund_focus_on_these_five_proven_categories_with_a_strong_5-year_track_record\"><\/span><span style=\"font-weight: 400;\">Instead of searching for the &#8220;best&#8221; mutual fund, focus on these five proven categories with a strong 5-year track record:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"1_Exchange_Traded_Funds_ETFs\"><\/span><b>1. Exchange Traded Funds (ETFs)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Low-cost_investment_expense_ratio_016\"><\/span><span style=\"font-weight: 400;\">Low-cost investment (expense ratio ~0.16%)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Track_market_indices_like_Nifty\"><\/span><span style=\"font-weight: 400;\">Track market indices like Nifty<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Passively_managed_removes_human_error\"><\/span><span style=\"font-weight: 400;\">Passively managed (removes human error)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Best_for_first-time_investors\"><\/span><span style=\"font-weight: 400;\">Best for first-time investors<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"2_Large-Cap_Mutual_Funds\"><\/span><b>2. Large-Cap Mutual Funds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Invest_in_top_100_blue-chip_companies_in_India\"><\/span><span style=\"font-weight: 400;\">Invest in top 100 blue-chip companies in India<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Provide_stability_and_steady_growth\"><\/span><span style=\"font-weight: 400;\">Provide stability and steady growth<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Lower_risk_than_mid_or_small-cap_funds\"><\/span><span style=\"font-weight: 400;\">Lower risk than mid or small-cap funds<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"3_Flexi-Cap_Mutual_Funds\"><\/span><b>3. Flexi-Cap Mutual Funds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Invest_across_large_mid_and_small-cap_stocks\"><\/span><span style=\"font-weight: 400;\">Invest across large, mid, and small-cap stocks<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Fund_managers_adjust_investments_based_on_market_conditions\"><\/span><span style=\"font-weight: 400;\">Fund managers adjust investments based on market conditions<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Great_for_long-term_wealth_creation\"><\/span><span style=\"font-weight: 400;\">Great for long-term wealth creation<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"4_Contra_Mutual_Funds\"><\/span><b>4. Contra Mutual Funds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Follow_a_contrarian_investment_strategy\"><\/span><span style=\"font-weight: 400;\">Follow a contrarian investment strategy<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Buy_undervalued_stocks_that_others_ignore\"><\/span><span style=\"font-weight: 400;\">Buy undervalued stocks that others ignore<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Perform_well_during_market_corrections\"><\/span><span style=\"font-weight: 400;\">Perform well during market corrections<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"By_investing_in_these_five_categories_you_can_create_a_well-balanced_portfolio_with_diversification_stability_and_long-term_growth\"><\/span><span style=\"font-weight: 400;\">By investing in these five categories, you can create a well-balanced portfolio with diversification, stability, and long-term growth.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><b>Conclusion:\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h4><span class=\"ez-toc-section\" id=\"Mutual_funds_are_one_of_the_easiest_ways_to_start_investing_They_require_less_effort_than_trading_and_provide_steady_returns_over_time\"><\/span><span style=\"font-weight: 400;\">Mutual funds are one of the easiest ways to start investing. They require less effort than trading and provide steady returns over time.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Build_an_emergency_fund_first\"><\/span><span style=\"font-weight: 400;\">Build an emergency fund first<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Start_with_SIP_not_a_lump_sum\"><\/span><span style=\"font-weight: 400;\">Start with SIP (not a lump sum)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Choose_Growth_over_Dividend_Reinvestment\"><\/span><span style=\"font-weight: 400;\">Choose Growth over Dividend Reinvestment<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Invest_directly_if_possible_to_save_on_fees\"><\/span><span style=\"font-weight: 400;\">Invest directly (if possible) to save on fees<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Select_the_right_categories_instead_of_chasing_individual_funds\"><\/span><span style=\"font-weight: 400;\">Select the right categories instead of chasing individual funds<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"If_you_keep_it_simple_and_stay_consistent_youll_be_on_your_way_to_building_long-term_wealth_the_smart_way\"><\/span><span style=\"font-weight: 400;\">If you keep it simple and stay consistent, you\u2019ll be on your way to building long-term wealth the smart way!<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n","protected":false},"excerpt":{"rendered":"<p>Introduction Investing can seem overwhelming, especially when you&#8217;re just getting started. We&#8217;ve already talked about the foundation of financial security\u2014having &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"A Simple Guide to Starting Investment Journey with Mutual Funds\" class=\"read-more button\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/#more-8200\">Read more<span class=\"screen-reader-text\">A Simple Guide to Starting Investment Journey with Mutual Funds<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":8209,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[1672,1674,1670,1671],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>A Simple Guide to Starting Investment Journey with Mutual Funds<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aktassociates.com\/blog\/a-simple-guide-to-starting-investment-journey-with-mutual-funds\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A Simple Guide to Starting Investment Journey with Mutual Funds\" \/>\n<meta property=\"og:description\" content=\"Want to start investing but don\u2019t know where to begin? 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