Question 1

How does this mutual fund calculator work?

Accepted Answer

It combines a lumpsum component (one-time investment growing at annual CAGR) with a SIP component (monthly contributions at the same rate). Total maturity = lumpsum future value + SIP future value at the given rate and tenure.

Question 2

What returns can I expect from mutual funds?

Accepted Answer

Equity funds: 10–15% long-term CAGR; debt funds: 6–8%; hybrid funds: 8–11%. Past performance doesn't guarantee future returns. Use 10–12% as a conservative assumption for equity over 10+ years.

Question 3

How do I choose between direct and regular mutual funds?

Accepted Answer

Direct plans have no distributor commission and give 0.5–1% higher annual returns vs regular plans. Over long periods, this difference compounds significantly. Choose direct plans if you can research and invest independently.

Question 4

What is ELSS and how does it differ from other equity funds?

Accepted Answer

ELSS (Equity Linked Savings Scheme) is an equity mutual fund with a 3-year lock-in period. It qualifies for Section 80C tax deduction up to ₹1.5 lakh. It typically offers higher returns than ULIP or NSC with shorter lock-in than PPF.

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