{"id":42189,"date":"2026-08-13T10:01:24","date_gmt":"2026-08-13T04:31:24","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=42189"},"modified":"2026-08-13T08:07:53","modified_gmt":"2026-08-13T02:37:53","slug":"common-mutual-fund-myths-that-cost-investors-money","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/common-mutual-fund-myths-that-cost-investors-money\/","title":{"rendered":"Common Mutual Fund Myths That Cost Investors Money ?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/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\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-6a7dadb3a0ca5\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" 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: #999;color:#999\" 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><\/label><input  type=\"checkbox\" id=\"item-6a7dadb3a0ca5\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/common-mutual-fund-myths-that-cost-investors-money\/#myth_1_lower_nav_means_cheaper_fund\" title=\"myth 1. lower nav means cheaper fund\">myth 1. lower nav means cheaper fund<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/common-mutual-fund-myths-that-cost-investors-money\/#myth_2_past_performance_predicts_future_returns\" title=\"myth 2. past performance predicts future returns\">myth 2. past performance predicts future returns<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/common-mutual-fund-myths-that-cost-investors-money\/#myth_3_sip_guarantees_positive_returns\" title=\"myth 3. sip guarantees positive returns\">myth 3. sip guarantees positive returns<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/common-mutual-fund-myths-that-cost-investors-money\/#myth_4_mutual_funds_are_safe_like_fixed_deposits\" title=\"myth 4. mutual funds are safe like fixed deposits\">myth 4. mutual funds are safe like fixed deposits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/common-mutual-fund-myths-that-cost-investors-money\/#myth_5_need_large_capital_to_invest\" title=\"myth 5. need large capital to invest\">myth 5. need large capital to invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/common-mutual-fund-myths-that-cost-investors-money\/#myth_6_expense_ratio_does_not_matter_much\" title=\"myth 6. expense ratio does not matter much\">myth 6. expense ratio does not matter much<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/common-mutual-fund-myths-that-cost-investors-money\/#myth_7_should_stop_sips_when_markets_fall\" title=\"myth 7. should stop sips when markets fall\">myth 7. should stop sips when markets fall<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/common-mutual-fund-myths-that-cost-investors-money\/#frequently_asked_questions\" title=\"frequently asked questions\">frequently asked questions<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">myths in mutual fund investing are not harmless. they cost real money.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">most of these myths do not survive a single google search. the problem is that most investors do not realise they are operating on a myth until after a decision has already been made\u00a0<\/span><span class=\"\">. the nfo that felt like a bargain because nav started at \u20b910. the sip paused in march 2020 when markets fell 38 per cent. the star-rated fund picked in january only to disappoint by december\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">they spread because they contain a grain of logic. low nav does sound cheaper. past performance is the only real data investors have. stopping investment when markets fall does protect capital in the short run. the grain of logic is what makes the myth stick\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"myth_1_lower_nav_means_cheaper_fund\"><\/span><strong><span class=\"\">myth 1. lower nav means cheaper fund<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">a mutual fund&#8217;s nav is not a stock price. it does not signal value. it is just the per-unit value of the fund&#8217;s assets\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">two funds. one with nav of \u20b910. another with nav of \u20b9100. invest \u20b910,000 in each. the \u20b910 fund gives 1,000 units. the \u20b9100 fund gives 100 units. both grow 20 per cent. the \u20b910 nav becomes \u20b912. the \u20b9100 nav becomes \u20b9120. the investment value is \u20b912,000 in both cases\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">what matters is the percentage by which the value grows. that depends entirely on what the fund is investing in\u00a0<\/span><span class=\"\">. a fund priced at \u20b910 does not have more room to grow than one priced at \u20b9150\u00a0<\/span><span class=\"\">. the pizza is the same size. it is just sliced differently\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">the \u20b910 nav myth is not just harmless confusion. capitalmind&#8217;s deepak shenoy called it out directly: a \u20b910 nav is not a deal, and it does not make the fund any more attractive than one priced at \u20b9150\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"myth_2_past_performance_predicts_future_returns\"><\/span><strong><span class=\"\">myth 2. past performance predicts future returns<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">a fund&#8217;s past returns are data. they are not a promise.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">a fund performing strongly in one cycle may underperform in another\u00a0<\/span><span class=\"\">. market cycles change. sector leadership rotates. economic conditions evolve\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">star ratings are dynamic. a scheme may not always remain at the same position month after month\u00a0<\/span><span class=\"\">. the fund that topped charts last year may be at the bottom this year. confirmation bias makes it worse. investors read the glowing headlines and skip the cautionary notes\u00a0<\/span><span class=\"\">. the fund manager of the decade becomes the laggard of the next year.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">raj saw a mid-cap fund everyone was raving about. it had doubled investor money in three years. business channels called the manager a star. raj invested half his savings. what he missed was that the fund&#8217;s stellar returns came mostly from a roaring bull market. the expense ratio was higher than average. its portfolio was concentrated in a few overvalued mid-cap stocks. when markets cooled, those same holdings dragged performance down\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"myth_3_sip_guarantees_positive_returns\"><\/span><strong><span class=\"\">myth 3. sip guarantees positive returns<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">sips reduce timing risk. they average purchase cost. they encourage regular participation. they do not eliminate market risk\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">during prolonged downturns, sip returns may remain muted for periods\u00a0<\/span><span class=\"\">. a sip started in mid-2024 delivered negative returns in several categories. sips are a disciplined way to invest. they are not a guarantee of profit.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"myth_4_mutual_funds_are_safe_like_fixed_deposits\"><\/span><strong><span class=\"\">myth 4. mutual funds are safe like fixed deposits<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">mutual funds carry varying degrees of risk depending on category\u00a0<\/span><span class=\"\">. large-cap funds have relatively lower volatility. small-cap funds can experience sharper price swings\u00a0<\/span><span class=\"\">. debt funds carry credit risk and interest rate risk.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">unlike fixed deposits, mutual funds do not offer guaranteed returns. they are market-linked. returns can fluctuate\u00a0<\/span><span class=\"\">. the riskometer shows the level of risk. it is there for a reason.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"myth_5_need_large_capital_to_invest\"><\/span><strong><span class=\"\">myth 5. need large capital to invest<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">sips can start with as little as \u20b9500 a month\u00a0<\/span><span class=\"\">. some funds accept \u20b9100. lumpsum investments have no upper limit\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">the challenge is consistency, not capital threshold\u00a0<\/span><span class=\"\">. waiting to accumulate a large sum means missing years of compounding.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"myth_6_expense_ratio_does_not_matter_much\"><\/span><strong><span class=\"\">myth 6. expense ratio does not matter much<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">expense ratio reflects the annual cost of managing the fund. a 0.5% to 1% difference may seem small. over long horizons, compounding amplifies the impact\u00a0<\/span><span class=\"\">. a fund with a higher expense ratio needs to generate higher returns just to match a lower-cost fund. many active funds fail to do that. nearly 73 per cent of actively managed large-cap equity funds underperformed their benchmarks over the past decade. the number rises to 82 per cent for mid and small-cap funds\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"myth_7_should_stop_sips_when_markets_fall\"><\/span><strong><span class=\"\">myth 7. should stop sips when markets fall<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">market corrections trigger fear. stopping sips during downturns interrupts cost averaging. it reduces participation in the eventual recovery. it disturbs long-term planning\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">continuing sips during a correction buys more units at lower prices. that is how rupee-cost averaging works.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"frequently_asked_questions\"><\/span><strong><span class=\"\">frequently asked questions<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">1. is a mutual fund with lower nav cheaper than one with higher nav ?<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">no. nav is just the per-unit value. it does not indicate whether a fund is overvalued or undervalued\u00a0<\/span><span class=\"\">. two funds with different navs can deliver the same percentage return.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">2. can past performance predict future returns ?<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">no. market cycles change. sector leadership rotates. economic conditions evolve\u00a0<\/span><span class=\"\">. a fund performing strongly in one cycle may underperform in another.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">3. do sips guarantee positive returns ?<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">no. sips reduce timing risk and average purchase cost. but they do not eliminate market risk\u00a0<\/span><span class=\"\">. during prolonged downturns, returns may remain muted.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">4. is a demat account mandatory for mutual funds ?<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">no. holding mutual fund units in demat mode is optional, except for exchange traded funds\u00a0<\/span><span class=\"\">. units can be held in statement of account format.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">5. are mutual funds safe like fixed deposits ?<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">no. mutual funds carry varying degrees of risk depending on category. unlike fixed deposits, they do not guarantee returns\u00a0<\/span><span class=\"\">. they are market-linked.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>myths in mutual fund investing are not harmless. they cost real money. most of these myths do not survive a single google search. the problem is that most investors do not realise they are operating on a myth until after a decision has already been made\u00a0. the nfo that felt like a bargain because nav [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/common-mutual-fund-myths-that-cost-investors-money\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":41,"featured_media":42013,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false},"categories":[822],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Common Mutual Fund Myths That Cost Investors Money ? - Kuvera<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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