Past data is being used to justify Mutual funds investment, but the chatter suggests reality isn't so rosy: YTD is flat, about 1.5 years in the red, and the 4-year CAGR sits around 8%—not 16% as some claim [1].
What the data says On the numbers, YTD is flat, 1.5 years in negative, and the 4-year CAGR is roughly 8%, not the double-digit gains some emphasize [1].
Fees and the true cost Beyond the numbers, caution about fees and long-term costs matters—they erode compounding and shape true returns over time [1]. That’s why many investors push to separate short-term hype from long-run planning.
Brokerage friction and the long road The broker layer shows cost dynamics in action. Groww and Zerodha illustrate how charges can creep in: one commenter warned that Zerodha charging fees would hurt, while Groww has signaled fee changes as it grows and even as it went public [2].
- Groww — free equity delivery earlier; now facing charges as it lists publicly [2]
- Zerodha — fees may rise; intraday vs delivery costs discussed as a risk [2]
Bottom line: past data isn’t a guarantee. Watch fees and the long-term cost curve as you map a smarter path in Indian markets.
References
Many use past data, to justify Mutual fund investment but in reality YTD is flat, 1.5 years in negative, 4 years CAGR is 8% instead of 16%
Discusses MF returns versus FD, cautions using past data; questions US recession impact; stresses informed, disciplined equity investing and risk.
View sourceJust want an idea on implications of this for a long term investor
Discusses brokerages Groww Zerodha fees, long-term investing in Indian stocks; platform switching and cost implications.
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