What matters more than choosing the best mutual fund?
Published 18 September 2026
How do you think about it Bedant?
Asset allocation.
People can spend too much time debating which mutual fund, sectoral fund or product to buy.
The bigger question is how your money is divided across different types of assets based on what you need the money for.
The adviser’s job is not simply to generate a few percentage points more than the Nifty. It is to give you clarity and control over your money and make sure your expenses can still be met across different market scenarios.
“The purpose of financial planning is not to generate 4% more return than Nifty.”
“90% of your return is derived by asset allocation. Not by the product.”
This question and answer is derived from the podcast between Bedant and Sachin. See the full podcast here.
This is not personalized investment advice. Your financial situation, goals and constraints may be different, so assess your own situation and discuss it with your financial advisor.
People can spend too much time debating which mutual fund, sectoral fund or product to buy.
The bigger question is how your money is divided across different types of assets based on what you need the money for.
The adviser’s job is not simply to generate a few percentage points more than the Nifty. It is to give you clarity and control over your money and make sure your expenses can still be met across different market scenarios.
“The purpose of financial planning is not to generate 4% more return than Nifty.”
“90% of your return is derived by asset allocation. Not by the product.”
This question and answer is derived from the podcast between Bedant and Sachin. See the full podcast here.
This is not personalized investment advice. Your financial situation, goals and constraints may be different, so assess your own situation and discuss it with your financial advisor.