"Sebi is looking to make disclosures regarding expenses of regular and direct plans uniform and transparent for investors," says Kaustubh Belapurkar, director-manager research, Morningstar Investment Research India.
Direct or regular?
Direct plans are ideal for do-it-yourself (DIY) investors who can make their own investment decisions, from asset allocation to fund selection.
For new investors needing guidance, there are two options: working with a distributor who earns commissions from regular plans, or with a registered investment advisor (RIA) who charges a fee and recommends direct plans.
"A new investor making a small investment may find an RIA's fee steep. For such an investor, buying regular plans through a distributor may be more cost-efficient. Once their portfolio grows, they may move to an RIA. This is assuming both the RIA and the distributor are equally competent," says Deepesh Raghaw, a Sebi-registered investment advisor.
Passive funds
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