Investment perspectives

Research

A closer look at the decisions, structures and time horizons behind investing.

Long-term investing · 10 pages

Why I Prefer Equity Mutual Funds for a 3+ Year Horizon

Research by Shantanu Jha

Shantanu Jha explores how investment time horizons shape the suitability of equity mutual funds, looking at diversification, professional management, business growth and compounding. Three years is presented as a starting point for considering equity exposure—not a guaranteed exit date. The research also explains why a longer horizon does not eliminate risk and why every investment should be aligned with the investor’s goals, time frame and risk capacity.

Read in detail Download PDF

Fund categories · 15 pages

Diversification vs Concentration

Research by Shantanu Jha & Ishana Meghrajani

Shantanu Jha and Ishana Meghrajani compare multi-asset, multi-cap and sector or thematic mutual funds through the lens of diversification and concentration. The research explains how scheme mandates determine exposure across asset classes, company sizes or a single economic theme, and why valuation and entry timing matter more for concentrated funds. It distinguishes diversified core holdings from smaller tactical allocations, encouraging investors to understand portfolio construction rather than chase recent performance.

Read in detail Download PDF

For educational purposes only, not investment advice. Market-linked returns are not guaranteed; suitability depends on your financial goals and risk appetite.