{"id":22183,"date":"2021-10-01T05:29:31","date_gmt":"2021-10-01T05:29:31","guid":{"rendered":"https:\/\/www.tatacapital.com\/blog\/?p=22183"},"modified":"2025-08-14T12:11:22","modified_gmt":"2025-08-14T12:11:22","slug":"how-to-manage-your-mutual-funds-smartly-wisely","status":"publish","type":"post","link":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/mutual-funds\/how-to-manage-your-mutual-funds-smartly-wisely\/","title":{"rendered":"How to Manage Your Mutual Funds Smartly\/Wisely"},"content":{"rendered":"\n

<\/p>\n\n\n\n

If there is one investment instrument that can help you meet your short-term and long-term financial needs on your current income, it\u2019s mutual funds. However, the power of compounding is only fully released when you do your part of managing your portfolio wisely. Successful investors start right, stay their course, and end well \u2013 with calculated risks.<\/p>\n\n\n\n

If you want to be one of them, here are some top fund management tips that will truly step up your investment game plan.<\/p>\n\n\n\n

1. Start out right with portfolio diversification<\/strong><\/h2>\n\n\n\n

Equity funds are significantly affected by market ups and downs, whereas debt funds are stable and offer guaranteed returns. Moreover, gold funds perform their best during market uncertainties. Drooping towards any single asset class can put unnecessary risk on your capital. For instance, only investing in equity funds can lead to capital loss, whereas a portfolio of solely debt funds can deter you from leveraging market opportunities.<\/p>\n\n\n\n

A well-balanced, diversified portfolio mapped to your risk profile is the way to go.<\/p>\n\n\n\n

Additional Read: <\/strong>What Are the Average Returns on Mutual Funds?<\/a><\/strong><\/p>\n\n\n\n

2. If on the SIP route, top it up during market corrections<\/strong><\/h2>\n\n\n\n

During bearish markets or steep market corrections such as the one triggered by the COVID-19 pandemic, many investors panic and redeem their SIPs in fear of further dips or losses. However, bearish market phases offer an excellent opportunity to fund managers who purchase quality equity mutual funds<\/a> at lower costs.<\/p>\n\n\n\n

As a mutual fund investor, you can also leverage this opportunity by topping your SIP with lumpsum in a staggered manner. This way, you will further average your investment cost, thereby creating a larger corpus with smaller contributions before maturity.<\/p>\n\n\n\n

3. Avoid stagnancy by rebalancing your portfolio periodically<\/strong><\/h2>\n\n\n\n

Portfolio rebalancing is the process of restoring the portfolio to its target asset allocation. Your portfolio\u2019s fund mix will get disturbed over time due to market changes. You should review it periodically to check its performance against peer funds and market benchmarks. Plus, if your investment strategies, goals, or risk tolerance change over time, portfolio rebalancing becomes imperative. It gives you better risk control and ensures that your portfolio\u2019s performance is not dependent upon a single asset class or fund type.<\/p>\n\n\n\n

4. Adopt a passive investment strategy with index funds<\/strong><\/h2>\n\n\n\n

Index funds deploy a passive investment strategy by investing in stocks of a particular index. For instance, a Nifty index fund will only invest in the 50 stocks that are part of the index. The goal of such a fund is to generate returns as close as possible to its underlying index. It\u2019s a smart move to stay invested in these funds over the long term \u2013 since their return profile reflects economic growth. Since index funds demand less active trading and portfolio management, investors enjoy low expense ratios.<\/p>\n\n\n\n

Additional Read: <\/strong>Importance of Mutual Funds<\/a> <\/p>\n\n\n\n

Need a fund management partner that can help you make an informed choice? Download Tata Moneyfy’s mutual fund app<\/a>! You can find top picks every day, get personalised fund recommendations, browse through detailed features of each fund, and more. Compare between different options before you build or rebalance your portfolio. Align it well with your personal investment requirements and secure high returns. Smart MF management is just a click away!<\/p>\n\n\n\n

\n
\n
<\/div>\n\n\n\n
\n
\n
Download Moneyfy App<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n
<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

If there is one investment instrument that can help you meet your short-term and long-term financial needs on your current income. <\/p>\n

Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":22184,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[62],"tags":[],"yoast_head":"\nHow to Manage Mutual Funds Wisely - Tata Capital Moneyfy<\/title>\n<meta name=\"description\" content=\"If there is one investment that can help you meet your short-term and long-term financial needs it\u2019s mutual funds. Checkout the tips to manage mutual funds wisely.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Manage Mutual Funds Wisely - Tata Capital Moneyfy\" \/>\n<meta property=\"og:description\" content=\"If there is one investment that can help you meet your short-term and long-term financial needs it\u2019s mutual funds. Checkout the tips to manage mutual funds wisely.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.tatacapitalmoneyfy.com\/blog\/mutual-funds\/how-to-manage-your-mutual-funds-smartly-wisely\/\" \/>\n<meta property=\"og:site_name\" content=\"Moneyfy Blog\" \/>\n<meta property=\"article:published_time\" content=\"2021-10-01T05:29:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-14T12:11:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-content\/uploads\/2021\/10\/05-manage-your-mutual-funds-smartly.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"770\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.tatacapitalmoneyfy.com\/blog\/mutual-funds\/how-to-manage-your-mutual-funds-smartly-wisely\/\",\"url\":\"https:\/\/www.tatacapitalmoneyfy.com\/blog\/mutual-funds\/how-to-manage-your-mutual-funds-smartly-wisely\/\",\"name\":\"How to Manage Mutual Funds Wisely - Tata Capital Moneyfy\",\"isPartOf\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#website\"},\"datePublished\":\"2021-10-01T05:29:31+00:00\",\"dateModified\":\"2025-08-14T12:11:22+00:00\",\"author\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/d82891f59a900962b0e93fee2be1099b\"},\"description\":\"If there is one investment that can help you meet your short-term and long-term financial needs it\u2019s mutual funds. Checkout the tips to manage mutual funds wisely.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.tatacapitalmoneyfy.com\/blog\/mutual-funds\/how-to-manage-your-mutual-funds-smartly-wisely\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.tatacapitalmoneyfy.com\/blog\/mutual-funds\/how-to-manage-your-mutual-funds-smartly-wisely\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.tatacapitalmoneyfy.com\/blog\/mutual-funds\/how-to-manage-your-mutual-funds-smartly-wisely\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.tatacapitalmoneyfy.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How to Manage Your Mutual Funds Smartly\/Wisely\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#website\",\"url\":\"https:\/\/www.tatacapital.com\/blog\/\",\"name\":\"Moneyfy Blog\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.tatacapital.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/d82891f59a900962b0e93fee2be1099b\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/0e9e78de7f84add076f397dd13acc708?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/0e9e78de7f84add076f397dd13acc708?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"sameAs\":[\"https:\/\/www.tatacapitalmoneyfy.com\/blog\"],\"url\":\"https:\/\/www.tatacapitalmoneyfy.com\/blog\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How to Manage Mutual Funds Wisely - Tata Capital Moneyfy","description":"If there is one investment that can help you meet your short-term and long-term financial needs it\u2019s mutual funds. Checkout the tips to manage mutual funds wisely.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"How to Manage Mutual Funds Wisely - Tata Capital Moneyfy","og_description":"If there is one investment that can help you meet your short-term and long-term financial needs it\u2019s mutual funds. Checkout the tips to manage mutual funds wisely.","og_url":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/mutual-funds\/how-to-manage-your-mutual-funds-smartly-wisely\/","og_site_name":"Moneyfy Blog","article_published_time":"2021-10-01T05:29:31+00:00","article_modified_time":"2025-08-14T12:11:22+00:00","og_image":[{"width":770,"height":400,"url":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-content\/uploads\/2021\/10\/05-manage-your-mutual-funds-smartly.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/mutual-funds\/how-to-manage-your-mutual-funds-smartly-wisely\/","url":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/mutual-funds\/how-to-manage-your-mutual-funds-smartly-wisely\/","name":"How to Manage Mutual Funds Wisely - Tata Capital Moneyfy","isPartOf":{"@id":"https:\/\/www.tatacapital.com\/blog\/#website"},"datePublished":"2021-10-01T05:29:31+00:00","dateModified":"2025-08-14T12:11:22+00:00","author":{"@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/d82891f59a900962b0e93fee2be1099b"},"description":"If there is one investment that can help you meet your short-term and long-term financial needs it\u2019s mutual funds. Checkout the tips to manage mutual funds wisely.","breadcrumb":{"@id":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/mutual-funds\/how-to-manage-your-mutual-funds-smartly-wisely\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.tatacapitalmoneyfy.com\/blog\/mutual-funds\/how-to-manage-your-mutual-funds-smartly-wisely\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/mutual-funds\/how-to-manage-your-mutual-funds-smartly-wisely\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/"},{"@type":"ListItem","position":2,"name":"How to Manage Your Mutual Funds Smartly\/Wisely"}]},{"@type":"WebSite","@id":"https:\/\/www.tatacapital.com\/blog\/#website","url":"https:\/\/www.tatacapital.com\/blog\/","name":"Moneyfy Blog","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.tatacapital.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/d82891f59a900962b0e93fee2be1099b","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/0e9e78de7f84add076f397dd13acc708?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0e9e78de7f84add076f397dd13acc708?s=96&d=mm&r=g","caption":"admin"},"sameAs":["https:\/\/www.tatacapitalmoneyfy.com\/blog"],"url":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/author\/admin\/"}]}},"featured_image_url":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-content\/uploads\/2021\/10\/05-manage-your-mutual-funds-smartly.jpg","_links":{"self":[{"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/posts\/22183"}],"collection":[{"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/comments?post=22183"}],"version-history":[{"count":5,"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/posts\/22183\/revisions"}],"predecessor-version":[{"id":38741,"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/posts\/22183\/revisions\/38741"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/media\/22184"}],"wp:attachment":[{"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/media?parent=22183"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/categories?post=22183"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/wp-json\/wp\/v2\/tags?post=22183"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}