The BaselineMutual Fund
Mutual Funds
The base layer of most portfolios. Pooled, professionally managed, easy to get in and out of. Comfortable and liquid, but built for the many rather than for you.
By Yash Jhaveri, Founder & CEO, Beyond
Beyond · JSL Wealth Management · Vadodara · ARN XXXXX
Last reviewed September 2026 · Regulatory position as at September 2026
Minimum₹500 (SIP)
Indicative range12–14% p.a. equity · 6–7.5% debt
Risk bandModerate–High
LiquidityT+1 to T+3
Horizon3–7+ yrs
What it actually is
A SEBI-regulated pooled fund. It spreads money across 40 to 80 securities under strict diversification rules. The most liquid and most regulated structure in Indian investing, and the benchmark every alternative has to beat.
The job it does
- Long-term compounding with full liquidity
- Disciplined investing through SIP
- A common yardstick to judge everything else against
Why people use it
- Daily NAV; redemption in 1–3 working days
- Lowest entry point of any structure
- Taxed only when you redeem — internal churn is not taxed in your hands
What can go wrong
- Wide diversification caps the upside — a 2% position doubling barely moves the fund
- Rules force at least 65% into the mandate, limiting the manager
- Many funds quietly track the index after fees
Does Mutual Funds belong in your architecture?
Seven questions narrow thirteen structures to a shortlist.
Adjacent materials
Education, not advice. We may earn referral fees when you invest through us. Full disclosures