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Reality Check on "20% Guaranteed Profit" Claims:
No SEBI-regulated mutual fund guarantees 20% annual profit. Over 7–10 year rolling horizons, diversified Indian equities have historically delivered 11.5%–13.8% nominal CAGR with 15%–22% interim volatility. Modeling below enforces realistic equity return distributions.
Investment Setup SEBI Blueprint
Total Capital (₹)
₹1,00,000
Risk Tolerance Profile
Moderate (Growth)
Investment Mode
6-Month Liquid STP
Time Horizon
7 Years
Execution Route
DIY Direct (0% Comm)
Equity Direct TER
0.55%
Advisory Fee / Drag
1.30%
Projected Terminal Corpus
₹2,24,192
Net CAGR: ~12.2% p.a.
Advisory Fee Drag Loss
₹18,450
Compounded cost differential
Equity vs Debt Ratio
70 : 30
Risk calibrated split
Est. Post-Tax Wealth (LTCG)
₹2,11,793
12.5% LTCG above ₹1.25L
₹1L Asset Allocation Split
Wealth Trajectory: Direct DIY vs Advisory Drag
7-Year Projection
Phased Capital Deployment Schedule (STP Waterfall)
Liquid Fund Buffer: ₹30,000| Phase / Month | Source (Liquid STP) | Tranche Outflow | Flexi-Cap (Large) | Mid-Cap Target | Hybrid / Balance | Cumulative Invested |
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SEBI Direct Plan Execution Checklist for DIY Investors
1. Invest directly via MF Central, AMC portals, or zero-commission platforms (Zerodha Coin, Groww Direct, Kuvera).
2. Verify fund names strictly contain the word "Direct-Growth" to ensure zero trail commission drag.
3. Deploy ₹30k–₹40k initial lump sum into Liquid fund, then initiate weekly/monthly STP into Flexi-Cap to mitigate market all-time-high risk.