How mutual funds work, the main types, what they cost, how SIPs and SWPs work, how they are taxed, and how to choose and review funds.
This is the Academy's one home for how mutual funds actually work: NAV and structure, fund categories, costs and direct vs regular plans, SIP, STP and SWP mechanics, mutual-fund-specific tax and a framework for choosing and reviewing funds. It suits first-time investors and anyone holding funds they cannot fully explain, with worked rupee examples in every chapter.
Builds on: Money Basics · Pairs with: Goal Planning and Tax for Investors (regime choice and loss set-off live there)
A mutual fund pools money from many investors and invests it for them. Learn who looks after your money, how units and NAV work, and why a low NAV is not a bargain.
SEBI sorts funds into defined categories. Learn what each main type invests in, what can go wrong, and how to match a category to the time horizon of a goal.
Small percentages compound into large amounts. Understand what you pay, how SEBI's 2026 expense framework works, the real difference between direct and regular plans, and when exit loads apply.
Four ways to move money into and out of mutual funds. See how each works with real arithmetic, what it can and cannot do, and how to pick the right one for a goal.
Equity, debt and other funds are taxed differently. See which bucket your fund falls in, how FIFO works on SIP redemptions, IDCW vs growth, and why every STP and SWP is a taxable redemption.
Start from the goal, compare like with like, check consistency and costs, avoid overlap, rebalance with discipline, and know when a fund really needs replacing.
Money n Wealth Academy is for education only and is not personalised investment, tax or insurance advice. Examples are illustrative. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Money n Wealth (Predics Fintech Services Pvt Ltd) is an AMFI-registered mutual fund distributor (ARN-121995) and APMI-registered PMS distributor (APRN07444).