📊 Direct vs Regular Mutual Fund – Full Comparison
Universal Money Mart – Mutual Fund Master Course
📌 Direct Plan Na Enna?
Direct plan la investor direct ah AMC kitta invest pannuvanga. Middleman illa.
✔ No Distributor Commission
✔ Lower Expense Ratio
✔ Higher Long Term Returns Potential
📌 Regular Plan Na Enna?
Regular plan la distributor / agent through invest pannuvanga.
✔ Advisor guidance kidaikkum
✔ Commission included
✔ Expense ratio slightly higher
📊 Direct vs Regular Comparison Table
| Feature | Direct Plan | Regular Plan |
|---|---|---|
| Commission | No | Yes |
| Expense Ratio | Lower | Higher |
| Returns (Long Term) | Higher | Slightly Lower |
| Advisor Support | No | Yes |
📈 Long Term Impact Example
Investment: ₹10 Lakhs Return: 12% Period: 20 Years
1% expense difference → Lakhs difference in final corpus!
⚠ Yaaruku Yedhu Suitable?
- Experienced investor → Direct Plan
- Beginner / Need guidance → Regular Plan
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Disclaimer:
This article is for educational purposes only. Mutual fund investments are subject to market risks. Direct and Regular plan returns may vary based on expense ratio difference. Please consult a financial advisor before making investment decisions.
This article is for educational purposes only. Mutual fund investments are subject to market risks. Direct and Regular plan returns may vary based on expense ratio difference. Please consult a financial advisor before making investment decisions.
