Direct vs. Regular MF: Choose Between Lower Cost & Advisor Support

• Mutual fund investments offer two options: Direct and Regular plans.
• Direct funds are generally cheaper and offer higher returns as they involve no distributor commission.
• Regular funds have higher costs due to commissions paid to distributors or advisors, potentially leading to lower returns.
• While direct funds offer cost advantages, investor behavior (e.g., frequent switching, stopping SIPs) can impact returns more significantly.
• Direct plans suit disciplined investors, while regular plans with advisor guidance are beneficial for less disciplined investors or those needing help with asset allocation and market volatility.

Why It Matters: Helps investors choose between Direct vs. Regular MFs based on discipline and advice needs.