💸 Expense Ratio – Mutual Fund Charges Full Clarity
Universal Money Mart – Mutual Fund Master Course
📌 Expense Ratio Na Enna?
Expense Ratio na mutual fund manage panna AMC charge pannura annual fee percentage.
Expense Ratio = (Total Annual Expenses ÷ Total AUM) × 100
📊 Expense Ratio Include Pannura Charges
- Fund Manager salary
- Research team expenses
- Administrative cost
- Marketing cost (Regular plan)
- Distributor commission
📈 Example
Suppose expense ratio = 1.5%
You invest ₹1,00,000
Annual cost = ₹1,500
Remaining amount invested = ₹98,500 approx
Important 👉 This amount direct ah deduct pannamatanga. NAV la reflect aagum.
📊 Direct vs Regular Expense Ratio
| Direct Plan | Regular Plan |
|---|---|
| Lower Expense Ratio | Higher Expense Ratio |
| No distributor commission | Commission included |
| Higher long-term returns | Slightly lower returns |
⚠ Why Expense Ratio Important?
Small difference long-term la big impact create pannum.
Example:
- 1% vs 2% expense ratio
- 20 years investment
- Return difference lakhs la varum
❌ Myths
- ❌ Low expense ratio always best (performance check panna vendum)
- ❌ High expense ratio means bad fund (sometimes active strategy irukkum)
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Disclaimer:
This article is for educational purposes only. Mutual fund investments are subject to market risks. Expense ratio may vary based on scheme type and regulations. Please read scheme documents carefully before investing.
This article is for educational purposes only. Mutual fund investments are subject to market risks. Expense ratio may vary based on scheme type and regulations. Please read scheme documents carefully before investing.
