{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"Why Picking the "Best" Mutual Fund Is the Wrong Goal","description":"Most investors obsess over finding the best mutual fund to invest in. But what if avoiding the worst fund matters far more than picking the absolute best? In this episode, host Shrey Chandra sits down with Deepak Shenoy (Founder & CEO, Capitalmind Mutual Fund) and Anoop Vijaykumar (Head of Equity & Fund Manager, Capitalmind Mutual Fund) to tackle one of the most searched questions in personal finance: how to pick mutual funds that actually deliver long-term returns \u2014 without constantly second-guessing your choices. Using 10 years of FlexiCap fund data across 18 funds, they reveal why even top-performing funds underperform 30\u201350% of the time \u2014 and why that's completely normal. They also run a "reactive investor" experiment that shows exactly how timing the market destroys returns, and what a disciplined mutual fund portfolio strategy looks like instead. What you'll learn: \u2022 The core vs. satellite portfolio framework and how to allocate across funds smartly \u2022 Why mutual fund underperformance doesn't always mean you should exit \u2014 and when it does \u2022 How fund size and AUM can quietly cap your returns \u2014 and the red flags to watch \u2022 Corporate governance issues and fund manager changes as early warning signs \u2022 The hidden tax impact of switching mutual funds that most investors never calculate \u2022 When multi-asset mutual funds make sense as a simplified core holding \u2022 How many mutual funds you should hold \u2014 and why more isn't always better \u2022 3 questions to ask before picking any fund \u2014 covering philosophy, size, and hygiene checks Chapters: 0:00 \u2013 Intro 1:50 \u2013 Introduction to the topic: What\u2019s the best mutual fund? 2:22 \u2013 Anoop begins: How to think about picking a mutual fund 3:26 \u2013 Analysis of FlexiCap funds over 10 years (18 funds compared) 5:15 \u2013 Avoiding the worst funds vs. picking the best 5:35 \u2013 Rolling underperformance data - what it reveals 7:07 \u2013 Even good funds underperform 1\/3 to 1\/2 of the time 8:09 \u2013 Should you sell an underperforming fund? 8:28 \u2013 The \u201creactive investor\u201d experiment - timing the market backfires 9:51 \u2013 What to do before and after investing in a fund 12:07 \u2013 Argument for style diversification across funds 13:50 \u2013 Two types of successful investors 15:39 \u2013 Do multi-asset funds simplify everything? 17:45 \u2013 Deepak joins: How many mutual funds should you hold? 20:00 \u2013 Core vs. satellite portfolio framework 24:44 \u2013 Multi-asset funds as a core holding 28:45 \u2013 Can you predict the worst funds? (Size, AUM issues) 31:35 \u2013 Corporate governance & fund manager changes as red flags 33:59 \u2013 Tax impact of switching funds - often overlooked 39:41 \u2013 Three questions to pick the right fund for you 49:46 \u2013 Expense ratios: are they really that important? 55:13 \u2013 Final framework: philosophy, size, hygiene checks 59:48 \u2013 Closing thoughts If you've ever wondered why your mutual fund is underperforming or made the common mutual fund mistakes of chasing last year's top fund or switching too frequently \u2014 this conversation will reframe how you think about investing entirely. Whether you're a first-time investor or managing a mature portfolio, this is the clearest framework we've put out on mutual fund selection in India. \ud83d\udccc Subscribe for more data-driven investing content every week. \ud83d\udd17 Follow us: \ud83c\udf10 Website: https:\/\/www.capitalmindmf.com \ud83d\udc26 X (Twitter): https:\/\/x.com\/CapitalmindMF \ud83d\udcf8 Instagram: https:\/\/www.instagram.com\/capitalmindmf \ud83d\udcbc LinkedIn: https:\/\/www.linkedin.com\/company\/capitalmindmf ","author_name":"Capitalmind with Deepak & Shray","author_url":"https:\/\/www.capitalmind.in","html":"