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My team and I are here to guide you through every step of your investing journey. We are licensed professionals — and we do not charge any fees. AMCs compensate us when investments are made through our platform, FundsIndia.
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We Recommend Regular Mutual Funds Only
As NISM-certified, AMFI-licensed professionals, we provide investment assistance exclusively when you invest through us. Our guidance — portfolio construction, rebalancing, behavioural coaching — is available only for regular fund investors on our platform.
Regular vs Direct — At a Glance
| What Matters | Regular Fund (With Us) | Direct Fund (DIY) |
|---|---|---|
Guidance | Dedicated advisor who understands your goals | You are on your own |
Behavioural Coaching | Advisor stops you from panic-selling | Emotions drive decisions |
Fund Selection | Expert picks right funds for YOUR goals | Overwhelmed by 2,500+ schemes |
Portfolio Review | Regular rebalancing & monitoring | Often neglected or over-traded |
Returns (Real-world) | Higher — due to right behaviour & timing | Lower — DIY errors erode gains |
Knowledge Required | None — we handle it | High — ongoing research needed |
Cost to You | ₹0 — AMC pays us (built into NAV) | Time, mistakes & wrong decisions |
8 Mistakes DIY Investors Make
These are not rare. These are almost universal.
Portfolio Overlap
5 "different" funds, same 40 stocks
Chasing Returns
Last year's winner = this year's loser
Panic Selling
Exit at crash bottom, miss recovery
Wrong Category
Small-cap SIP for 2-year goal
News-Driven Investing
Media creates noise, not wealth
Over-Diversification
15+ funds = confusion, not safety
Stopping SIPs
Pausing in a crash = missing best days
Star Rating Trap
High rating ≠ right fund for you
Regular vs Direct — Corpus Calculator
See how expense ratio difference plays out over time
Adjust all values above to see how corpus changes
Regular Fund Corpus
₹55.6 L
After 15 yrs @ 13% net
Direct Fund Corpus
₹58.3 L
After 15 yrs @ 13.5% net
Advisor Value Add
+₹2.8 L
Corpus gain from guidance (beyond ER)
| Year | Regular | Direct | Difference |
|---|---|---|---|
| Year 5 | ₹8.5 L | ₹8.6 L | +₹11,885 |
| Year 10 | ₹24.7 L | ₹25.4 L | +₹75,665 |
| Year 15 | ₹55.6 L | ₹58.3 L | +₹2.8 L |
How Much Are You Losing by Delaying?
Every day you wait has a measurable price. See yours in rupees.
💡 Mirror the values from the calculator above for connected results
Choose your delay scenario
🟢 Start Today
₹61.3 L
Full 15-yr corpus
⏳ After Delay
₹60.5 L
Delayed by 1 Month
🔴 You Lose
₹80,675
1.32% of potential wealth
Who Else Recommends Direct Funds?
And what they actually charge you
MF Utilities / CAMS / KFintech
Zerodha Coin
Groww / Kuvera
Fee-Only Advisors (RIAs)
SEBI-RIA Platforms
Rational Rahul — Regular Funds via FundsIndia
No Hidden Fees
AMC pays us from the expense ratio. Your cost = ₹0.
Aligned Interests
We earn only when you stay invested & grow. No commission to churn.
Full Service
Planning, selection, monitoring, rebalancing — all included.
The best investment you can make is in someone who keeps you invested.
The difference between wealth and regret is rarely the fund. It's the discipline to stay the course, the wisdom to ignore the noise, and the guidance of someone who has seen it all before.
Everything you need, nothing you pay for.
15 services. Zero fees. Click any area to explore.
All 15 services are available to you — completely free of charge.
Get Started — It's FreeClient Profile & Need Analysis Form
Download our comprehensive Client Profile & Need Analysis Excel sheet. Fill in your details, financial goals, income, expenses, and existing investments — then email the completed file to us. We'll prepare a personalised investment plan for you.
Download Excel FormReady to Get Started?
Fill out the form and we'll reach out to understand your goals and get you started on your investment journey — completely free of charge.
Signup link: fundzbazar.com/Link/6hbnugbiWX4
Note: We do not charge any fees from clients. AMCs compensate us when investments are made through our platform, FundsIndia. Please feel free to reach out at info.rationalrahul@gmail.com with any questions.
