Direct aur Regular mutual fund mein fark sirf cost ka hota hai. Direct plans mein commission nahi hota, jisse aapka compounding better hota hai, jabki Regular plans mein advisor ki help milti hai.
Expense Ratio ka khel
Mutual funds mein paisa lagate waqt log aksar confuse ho jaate hain ki Direct lein ya Regular. Sach toh ye hai ki dono plans same stocks aur bonds mein paisa lagate hain, lekin difference aata hai Total Expense Ratio (TER) mein. Regular plans mein distributor ya advisor ka commission shamil hota hai, jo aapke roz ke NAV se deduct hota hai. Wahi Direct plans mein koi middleman nahi hota, isliye TER kaafi kam hota hai.
Kya chhota sa fark impact dalta hai?
Sunte mein toh ye 0.5% se 1% ka difference bahut chhota lagta hai, lekin long-term mein compounding ki wajah se ye aapke corpus par bada asar daalta hai. Agar aap thoda extra fees bacha sakte hain, toh time ke saath woh paisa market mein grow hoke bada amount ban sakta hai.
Advisor ki zarurat kab padti hai?
Sab kuch Direct plan mein handle karna zaruri nahi hai. Agar aapko market ki samajh kam hai, ya aap emotional decisions (panic selling) le lete hain, toh ek advisor ka hona faydemand ho sakta hai. Woh aapko sahi schemes suggest karta hai aur market girne par bhi control rakhta hai. Agar aap khud research kar sakte hain, tabhi Direct plan choose karein.
Switch karne se pehle ye check karein!
Regular se Direct mein switch karna koi simple transfer nahi hai. Ye ek tarah se purane units ka redemption aur naye ka fresh investment hota hai. Ismein do cheezein dhyan rakhein:
- Exit Load: Check karein ki kya aapka fund time se pehle nikalne par penalty maang raha hai.
- Capital Gains Tax: Redemption par aapko tax bharna pad sakta hai. Switch karne se pehle calculation zarur kar lein ki tax aur exit load dene ke baad kya aapko long-term mein fayda ho raha hai.