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Yes. Applicable KYC requirements need to be completed before an investor can transact in mutual funds. Mutual Fund KYC records prescribed investor information such as identity and address details through the required documentation. Once the applicable KYC requirements are in place, eligible mutual fund transactions can be processed subject to the requirements of the concerned mutual fund and transaction platform.

Equity Mutual Funds primarily invest in equity and equity-related securities and are exposed to the market fluctuations associated with equities. Debt Mutual Funds primarily invest in debt and money-market instruments and may carry risks such as interest-rate and credit risk depending on the scheme. Hybrid Mutual Funds invest across more than one asset class, generally combining equity and debt according to the scheme's category and investment mandate. The category alone does not tell an investor whether a scheme fits a particular requirement. The purpose of the money, time horizon and risk profile also provide important context.

Not necessarily. Mutual Fund Diversification is not simply the number of schemes appearing in a portfolio. Two or more funds can sometimes have similar exposures or perform overlapping roles. It is useful to understand what each investment contributes to the overall portfolio instead of assuming that adding another scheme automatically improves diversification. Diversification does not assure a profit or protect against loss.

Different investors can react very differently to the same market movement. Mutual Fund Risk Profiling helps understand the level of investment risk and market fluctuation an investor is comfortable with in relation to the stated objective and time horizon. It does not remove investment risk. Mutual fund schemes themselves carry different levels of risk, so the applicable scheme Risk-o-meter and scheme-related documents should also be reviewed before investing

Regular Plan Mutual Funds are mutual fund investments routed through a Mutual Fund Distributor. Regular and Direct Plans form part of the same mutual fund scheme and are managed under the same portfolio, but their expense ratios differ because Regular Plans include distribution-related expenses. Hexo Wealth facilitates Regular Plan mutual fund investments as an AMFI-registered Mutual Fund Distributor and may receive trail commission from Asset Management Companies as applicable and disclosed. Investors also have the option to invest directly with mutual funds through Direct Plans.

Having more time can be useful, but the words “long term” do not by themselves decide which mutual fund category may fit a requirement. Retirement twenty years away, education ten years away and another long-term goal can each have different requirements. The purpose of the money, time available, liquidity needs, existing investments and risk profile all give the investment its context.

We broadly keep the journey in three parts: Understand:
Bring the goal, time horizon, existing holdings and risk profile into the conversation. Organise:
Complete applicable KYC, banking, mandate and transaction requirements. Facilitate & Review:
Process eligible Regular Plan mutual fund transactions and support ongoing servicing and periodic review requirements. The exact process can vary depending on the investor's existing setup and transaction requirement.