Archive · 30 Jul 2026
DIY Mutual Fund Boom Demands Structured Guidance
A lot of people in India are now buying mutual funds using apps on their phones.
It’s easy to open an account, but picking the right funds and how much to put in each can be hard.
Experts say that in the next few years, people will need more help and advice to make good choices.
Some funds follow a set plan (passive) and are predictable, while others depend on the manager’s style (active).
Mixing in safer funds like bonds can protect against big drops in the market.
5‑6 crore Indians invest in mutual funds via DIY digital platforms.
First‑time investors often chase recent performance, ignoring long‑term risk.
Experts predict structured advice will be crucial for the next 5‑10 years.
Passive funds offer predictability; active funds require understanding of manager style.
Adding fixed‑income and debt funds can reduce volatility and improve resilience.
- Who
- Nilesh D Naik, Head of Mutual Funds at PhonePe
- What
- analysis of challenges and future of DIY mutual fund investing
- Where
- India
- Why
- to help investors build resilient portfolios and avoid behavioral pitfalls
- DIY investors in India
- 5-6 crore
- Primary platform example
- PhonePe
- Common investor mistake
- chasing recent performance
- Recommended diversification
- include fixed‑income and debt funds
- Future need
- structured advice over next 5‑10 years