The Mutual Fund Mistake Most Make !

Financial Adviser Rahul Kulkarni emphasizes that there’s no such thing as a guaranteed “top mutual fund” for making money. In response to Dr. Manjiri’s request for three sure-shot mutual funds, he explains that many investors fall into the trap of Googling “best mutual funds to invest in” and blindly picking the highest-ranked option. However, mutual fund rankings change over time, and today’s top performer can easily become tomorrow’s underperformer.
Kulkarni illustrates this with a practical example: if two investors start at the same time—one choosing the top-rated fund and the other selecting the lowest-ranked fund—but both remain invested for 10 years, the one who stayed consistent through market cycles may actually earn more. Why? Because investors who constantly switch funds based on short-term performance often miss out on long-term compounding benefits.
His key message: building wealth through mutual funds requires patience, discipline, and long-term investing. Avoid chasing trends or reacting emotionally to market fluctuations. Instead, focus on goal-based investing, SIPs (Systematic Investment Plans), and trusting the process of compound growth in mutual funds.


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