RIA VS MFD: The Wrong Debate!

RIA vs MFD - Kaun SACH mein sasta hai? Data se jaante hain! 📊

Everyone says "RIAs are cheaper than MFDs" - but is that really true? After working with top AMCs for over a decade, I'm breaking down the REAL numbers that nobody talks about.

🔍 WHAT'S COVERED IN THIS VIDEO:

RIA Reality Check: Only 480 Active RIAs!
Expense Ratio Myth: RIA vs MFD Real Cost
Quant Small Cap Case Study
The Real Problem: Financial Inclusion
Conclusion & My Take

💡 KEY INSIGHTS:

India has only 904 registered RIAs, but only 480 are actively serving clients
7.6 lakh clients being served by these RIAs
Real cost difference between RIA + Direct vs MFD Regular? Just 11 basis points!
SEBI allows RIAs to charge up to 2.5% - MORE than maximum AMC TER!
Quant Small Cap example: 35.46% CAGR returns despite "high" TER
Regular plan TER decreasing as AUM grows, Direct plan TER increasing!

📊 SHOCKING STATS:

✗ Only 5 crore Indians invest in mutual funds
✓ 10 crore demat accounts exist
✓ 22 crore people play Dream11!
✓ 2 lakh MFDs vs 480 active RIAs

The real question: How do we get 135 crore Indians to start investing?

🎯 MY TAKE:

Both RIAs and MFDs have a role to play. Let's stop the debate about who's "superior" and focus on what matters - getting more Indians to invest and build wealth!

📚 RESOURCES MENTIONED:

The Fine Print RIA Data: [Link if available]
SEBI TER Guidelines: https://www.sebi.gov.in/
Quant MF Statutory Disclosures: https://quantmutual.com/statutory-dis...
ETMoney TER Explainer: https://www.etmoney.com/learn/mutual-...

💬 YOUR TURN:

Have you achieved your financial goals through an RIA or MFD? Share your experience in comments! 👇

Let's shift from expenses to OUTCOMES - because that's what really matters.

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👨‍💼 ABOUT ME:

I'm Satyapriya Panda, a Certified Financial Planner (CFP®) with over a decade of experience working with top Asset Management Companies. I break down complex financial topics into simple, actionable insights.


💼 LinkedIn:   / satyapriya-panda-cfp%c2%ae-73a02b7a  
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⚠️ DISCLAIMER:

This video is for educational purposes only and should not be considered as personalized financial advice. Investment decisions should be made after consulting with a SEBI registered financial advisor. Past performance does not guarantee future results. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully.

The views expressed are personal and based on publicly available data. I have no commercial relationship with any RIA, MFD, or AMC mentioned in this video.

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#RIA #MFD #MutualFunds #FinancialAdvisor #PersonalFinance #InvestingIndia #FinancialPlanning #CFP #ExpenseRatio #QuantMutualFund #SEBI #WealthCreation #FinanceHindi #Hinglish #SatyapriyaPanda

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