I want to invest in mutual funds – Should I choose Fundsindia or Direct plan?

POSTED BY Dr.Sachin ON August 5, 2014 7:54 pm COMMENTS (7)

When I start a new SIP, should i go through fundsindia.com route or do i need to do it directly. I know it differs from person to person.

But how about a person with average knowledge about equities and funds and who gets to time to anlayse markets only once in a while.?
Is it really required to time markets in case of SIPs when switch/redemption etc are considered?
If so is the collective knowledge from finance websites and finance forums only required to do that?
(Doing SIPs for 15 yr goals).


7 replies on this article “I want to invest in mutual funds – Should I choose Fundsindia or Direct plan?”


    I am also not finding out any good broker platform through whom I can invest online. pl tell me a trust worthy broker or user friendly platform for investing online.
    Giri N T

  2. Dr.Sachin says:

    Thanks Hemanth.
    So fundsindia too? Not a good choice?

    1. Hemanth Chandra says:

      Can you plz tell me what is the benefit that you get if you invest via fundsindia.

      1. Dr.Sachin says:

        Sorry for late esponse.
        Ok at fundsindia we can ask an advise like whether to continue with the current SIP or to stop this and start new one etc.

  3. Hemanth Chandra says:

    If you have time and can take decisions on starting/switching an SIP, go for Direct plan….. If you wish to take an adviser’s help for analysis, invest via adviser….. The catch is how to find an adviser whom you can trust…. 🙂

  4. Sumit says:

    While investing through SIP for 15 years, you do not need to time the market. Anyway timing is never a good idea, unless market is extremely up or down. Do not need to bother too much about timing/or lump-sum investments, just get the following things right:-

    1) Set your investment objectives and goal amount
    2) Set the asset allocation right, can go through the below link:
    3) Select good quality diversified mutual funds with consistent track record (do not go for only last 3/6 months top performers). Ask for advice but do your own research as well.
    4) And obviously go for DIRECT funds, the difference in expense ratio will make a lot of difference for such a long term (15 years). Anyways, you have to know the product where you are investing, should not blindly follow advise from anyone. You better know where you are putting your money and why.


    1. Dr.Sachin says:

      Thanks a lot Sumit

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