{"id":147,"date":"2026-08-13T19:38:35","date_gmt":"2026-08-13T14:08:35","guid":{"rendered":"https:\/\/portfoliocube.in\/blog\/?p=147"},"modified":"2026-09-07T19:10:46","modified_gmt":"2026-09-07T13:40:46","slug":"the-discipline-dividend","status":"publish","type":"post","link":"https:\/\/portfoliocube.in\/blog\/the-discipline-dividend\/","title":{"rendered":"The Discipline Dividend \u2014 The Real Value of Professional Expert Guidance in Long-Term Investing."},"content":{"rendered":"\n<div style=\"text-align: right;\">\n  <a href=\"#\" id=\"blogShareTest\" class=\"pc-share-btn pc-share-btn-full\" target=\"_blank\" rel=\"noopener\" data-share-url=\"https:\/\/portfoliocube.in\/blog\/the-discipline-dividend\/\" data-share-title=\"The Discipline Dividend\" data-share-body=\"The Real Value of Professional Expert Guidance in Long-Term Investing.\">\n    <svg viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><circle cx=\"18\" cy=\"5\" r=\"2.5\" stroke=\"currentColor\" stroke-width=\"1.6\"><\/circle><circle cx=\"6\" cy=\"12\" r=\"2.5\" stroke=\"currentColor\" stroke-width=\"1.6\"><\/circle><circle cx=\"18\" cy=\"19\" r=\"2.5\" stroke=\"currentColor\" stroke-width=\"1.6\"><\/circle><path d=\"M8.2 10.7L15.8 6.8M8.2 13.3L15.8 17.2\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\"><\/path><\/svg>\n    Share\n  <\/a>\n<\/div>\n<script src=\"https:\/\/portfoliocube.in\/assets\/js\/pc-share-button.js\"><\/script>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"541\" src=\"https:\/\/portfoliocube.in\/blog\/wp-content\/uploads\/2026\/08\/Discipline_dividend-1-1024x541.png\" alt=\"\" class=\"wp-image-223\" style=\"aspect-ratio:1.892799544635234;width:1300px;height:auto\" srcset=\"https:\/\/portfoliocube.in\/blog\/wp-content\/uploads\/2026\/08\/Discipline_dividend-1-1024x541.png 1024w, https:\/\/portfoliocube.in\/blog\/wp-content\/uploads\/2026\/08\/Discipline_dividend-1-300x158.png 300w, https:\/\/portfoliocube.in\/blog\/wp-content\/uploads\/2026\/08\/Discipline_dividend-1-768x406.png 768w, https:\/\/portfoliocube.in\/blog\/wp-content\/uploads\/2026\/08\/Discipline_dividend-1-1536x811.png 1536w, https:\/\/portfoliocube.in\/blog\/wp-content\/uploads\/2026\/08\/Discipline_dividend-1-2048x1082.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">In the modern financial landscape, a louder-than-ever narrative dominates headlines, podcasts, and social media platforms: <em>\u201cInvest directly into company shares, stocks, bonds, bypass middlemen, opt for direct plans, and save on distributor commissions, RIA fees etc. to maximize your wealth.\u201d<\/em> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On paper, this DIY (Do-It-Yourself) investment framework sounds incredibly seductive. Why pay an intermediary a fraction of a percentage when you can click a few buttons on a smartphone app for free?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, this blog highlights that true portfolio growth comes from consistent financial behavior and expert stewardship over time, rather than just chasing low fees. Paper theories rarely survive the harsh friction of real-world market cycles. For an unguided investor\u2014especially someone with zero understanding of asset allocation, market volatility, or mutual fund dynamics\u2014focusing purely on the &#8220;cost&#8221; of a professional expert guidance isn\u2019t just short-sighted; it is structurally hazardous to their financial health.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To uncover why the DIY narrative often fails exactly when investors need it most, we don&#8217;t need to look at theoretical simulations or optimistic back-testing. Instead, let us analyze a real-time, live case study of a portfolio deployed under professional expert guidance during one of the toughest market setups in recent history.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">The Ultimate Portfolio Stress Test: A Case Study in Real Wealth Management<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Imagine an individual with absolutely no prior exposure to equity markets who decides to start investing. They have no knowledge of fund managers, risk profiles, or macroeconomic indicators. They rely entirely on a professional expert guidance to construct, deploy, and navigate their wealth architecture.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now, look at the timeline and the brutal market environment this portfolio had to endure:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Date of Capital Deployment:<\/strong> 19 September 2024 <\/li>\n\n\n\n<li><strong>The Market Context:<\/strong> This capital was deployed right at the historic peak of the Indian equity markets. In fact, just days prior on September 19, 2024, the BSE Sensex peaked and closed above the historic 83,000 mark for the very first time\u2014a massive rally triggered by the US Federal Reserve&#8217;s 50-basis-point interest rate cut.<\/li>\n\n\n\n<li><strong>The Current Review Date:<\/strong> 13 August 2026<\/li>\n\n\n\n<li><strong>The Broader Market Reality:<\/strong> From that historic peak in late September 2024 to mid-August 2026, the broader market index collapsed, dropping down into the sub-78,000 range. Specifically, between September 19, 2024 (Closing: 83,184.80) and August 12, 2026 (Closing: 77,966.35), the <strong>BSE Sensex recorded a net absolute loss of 5,218.45 points, translated to a net market loss of -6.27%<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For an individual investor navigating these market swings alone on a DIY platform, this kind of environment can be deeply stressful and test both emotional resilience and financial confidence. Buying at the exact top right before a two-year, -6.27% prolonged market contraction usually results in severe principal erosion and panic selling.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yet, under dedicated professional expert guidance, look at the actual status of this client&#8217;s financial health:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th class=\"has-text-align-center\" data-align=\"center\">Portfolio Performance Metric<\/th><th class=\"has-text-align-center\" data-align=\"center\">Real-Time Live Data<\/th><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Total Invested Capital (Cost)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b92,60,000.00<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Current Portfolio Value (As of 13 Aug 2026)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b93,02,980.00<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Net Wealth Created (Absolute Gain)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>+\u20b942,980.00<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Absolute Portfolio Return<\/strong> \/ <strong>XIRR Portfolio Return<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>16.50%<\/strong>\/ <strong>16.06%<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Broader Benchmark Index (Sensex)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"> <strong>-6.27% (Net Loss)<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"976\" data-id=\"267\" src=\"https:\/\/portfoliocube.in\/blog\/wp-content\/uploads\/2026\/08\/client-dashboard-new-1024x976.png\" alt=\"\" class=\"wp-image-267\" srcset=\"https:\/\/portfoliocube.in\/blog\/wp-content\/uploads\/2026\/08\/client-dashboard-new-1024x976.png 1024w, https:\/\/portfoliocube.in\/blog\/wp-content\/uploads\/2026\/08\/client-dashboard-new-300x286.png 300w, https:\/\/portfoliocube.in\/blog\/wp-content\/uploads\/2026\/08\/client-dashboard-new-768x732.png 768w, https:\/\/portfoliocube.in\/blog\/wp-content\/uploads\/2026\/08\/client-dashboard-new.png 1040w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/figure>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-2 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"737\" height=\"824\" data-id=\"155\" src=\"https:\/\/portfoliocube.in\/blog\/wp-content\/uploads\/2026\/08\/Client-Portfolio_XIRRReturn_13Aug2026-small.jpeg\" alt=\"\" class=\"wp-image-155\" srcset=\"https:\/\/portfoliocube.in\/blog\/wp-content\/uploads\/2026\/08\/Client-Portfolio_XIRRReturn_13Aug2026-small.jpeg 737w, https:\/\/portfoliocube.in\/blog\/wp-content\/uploads\/2026\/08\/Client-Portfolio_XIRRReturn_13Aug2026-small-268x300.jpeg 268w\" sizes=\"auto, (max-width: 737px) 100vw, 737px\" \/><\/figure>\n<\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>PortfolioCube Systematic Wealth<\/strong> Architecture<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Client Wealth Performance Review<\/strong> <strong>Period:<\/strong> 19 September 2024 to 13 August 2026  | <strong>Status:<\/strong> <code>Active Outperformance<\/code><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Total Capital Deployed<\/strong><\/td><td><strong>Current Portfolio Value<\/strong><\/td><td><strong>Net Wealth Created<\/strong><\/td><td><strong>BSE Sensex Benchmark<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>\u20b92,60,000.00<\/strong> <sup><\/sup><\/td><td><strong>\u20b93,02,980.00<\/strong> <sup><\/sup><sup><\/sup><\/td><td><strong>+\u20b942,980.00<\/strong> <sup><\/sup><sup><\/sup><\/td><td><strong>-6.27%<\/strong> <sup><\/sup><sup><\/sup><sup><\/sup><sup><\/sup><\/td><\/tr><tr><td><em>Invested at Market Peak (Sep 2024)<\/em> <sup><\/sup><\/td><td><strong>\u25b2 +16.50% Absolute Return<\/strong> <sup><\/sup><sup><\/sup><\/td><td><em>Pure alpha over index returns<\/em> <sup><\/sup><\/td><td><em>Dropped from ~83.1k to ~78.0k<\/em> <sup><\/sup><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Detailed Performance Breakdown<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Metric<\/strong><\/td><td><strong>Broader Market Benchmark (Sensex)<\/strong><\/td><td><strong>Expert-Guided Portfolio (PortfolioCube)<\/strong><\/td><td><strong>Performance Advantage<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>Deployment Level \/ <strong>(19 Sep 2024)<\/strong><\/strong><\/td><td>83,184.80 (Historic Peak) <sup><\/sup><sup><\/sup><sup><\/sup><\/td><td>\u20b92,60,000.00 (Invested Capital) <sup><\/sup><\/td><td><strong>Perfect Market Peak Entry<\/strong> <sup><\/sup><\/td><\/tr><tr><td><strong>Current Level (13 Aug 2026)<\/strong><\/td><td>77,966.35 (Market Contraction) <sup><\/sup><sup><\/sup><sup><\/sup><sup><\/sup><\/td><td>\u20b93,02,980.00 (Current Value) <sup><\/sup><sup><\/sup><\/td><td><strong>+\u20b942,980 Net Gain<\/strong> <sup><\/sup><sup><\/sup><\/td><\/tr><tr><td><strong>Absolute Return<\/strong><\/td><td>-6.27% Net Loss <sup><\/sup><sup><\/sup><sup><\/sup><sup><\/sup><\/td><td>+16.50% Net Gain <sup><\/sup><sup><\/sup><\/td><td><strong>+22.77% Performance Gap<\/strong> <\/td><\/tr><tr><td><strong>Annualized Return (XIRR)<\/strong><\/td><td>Negative Growth<\/td><td><strong>16.06% XIRR<\/strong> <sup><\/sup><sup><\/sup><\/td><td><strong>Consistent Wealth Growth<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The numbers reveal an important takeaway: <strong>These results illustrate the value of strategic planning: While broader indices navigated a 6.27% downturn during this two-year cycle (Sep&#8217;2024-Aug&#8217;2026), thoughtful asset allocation helped insulate the portfolio, delivering<\/strong> <strong><strong><strong>nearly \u20b943,000 <\/strong>to secure a positive <strong>16.50% abs<\/strong>olute return with XIRR of 16.06%<\/strong><\/strong>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What specifically drove this difference in outcomes?<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Beyond Do-It-Yourself (DIY): Understanding the Real Cost of Unassisted Investing<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The anti-professional expert guidance narrative views commission\/fees as a direct deduction from performance. If a regular plan charges an extra 0.5% to 1% per annum compared to a direct plan, critics assume the investor is automatically worse off by that exact percentage.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">This narrow numerical perspective overlooks a fundamental reality of wealth building: <strong>preserving capital with positive net growth\u2014such as achieving a 16.50% absolute gain (16.06% XIRR) through a staggered, diversified strategy\u2014creates significantly greater value than a single, undiversified lump-sum bet that mirrors a 6.27% market decline.<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Professional expert guidance support delivers three pillars of value that far outweigh the cost of fees\/commissions:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">1. Strategic Asset Allocation <\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">When investing independently on a digital platform, it is natural for beginners to gravitate toward recent top performers. At the market peak in September 2024, an unassisted approach might have led an investor to allocate the entire \u20b92.60 Lakhs into previously high-flying large-cap or thematic funds. However, as broader indices experienced a multi-year consolidation, that strategy could have resulted in prolonged stagnation and capital strain.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A professional expert guidance, conversely, designs a portfolio using structural defense mechanisms. By utilizing smart diversification, tactical allocations across multi-cap or flexi-cap frameworks, staggered deployment strategies (like SIPs or STPs), and hybrid configurations, the professional expert guidance built a resilient shield. The result? The portfolio generated strong positive returns even when the broader headline indices were sinking.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In current Client context this was achieved through the tactical allocation across dynamic asset allocation\/hybrid funds, debt allocation, and staggered SIP investments.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">2. Behavioral Coaching <\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The greatest threat to a portfolio isn&#8217;t the expense ratio; it is the investor&#8217;s own emotions. For a client with zero market knowledge, watching a hard-earned \u20b92,60,000 drop in value during a market dip creates extreme psychological panic.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Left to their own devices on a direct trading app, an investor has no barrier between their anxiety and the &#8220;Sell&#8221; button. Millions of retail investors lock in permanent capital losses by panic-selling at the bottom of a market dip, only to watch from the sidelines as the market eventually recovers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A professional expert guidance acts as an emotional circuit breaker. By providing reassurance, contextualizing short-term volatility, and maintaining long-term perspective, the expert prevents the client from making catastrophic emotional mistakes. This behavioral management is an invisible form of compounding that saves investors lakhs of rupees over their lifetime.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">3. Administrative and Operational Competency<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Investing isn&#8217;t a one-time event; it is a continuous operational journey. Managing KYC compliance, updating bank mandates, executing structural rebalancing, tracking dividend distributions, handling tax-loss harvesting, and navigating eventual estate planning or redemption cycles require substantial time and technical understanding.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For a beginner, these administrative hurdles are highly intimidating and prone to error. A professional expert guidance provides end-to-end operational fulfillment, transforming investment management from a stressful logistical burden into a completely seamless, stress-free experience.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Conclusion: The Truth About Value vs. Price<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Price is what you pay; value is what you get.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The DIY investment movement wants you to focus exclusively on price. But as this real-time portfolio explains, a DIY (Do-It-Yourself) investing is only cheaper if you possess the expert knowledge to allocate assets correctly, the sophisticated tools to outperform index traps, and the emotional discipline to never panic during a multi-year market downturn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When market experience is limited, professional guidance provides the discipline and clarity needed to stay anchored to one&#8217;s financial goals throughout the wealth-building process.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Pro Tip:<\/strong> DIY (Do-It-Yourself) investing work well for experienced, emotionless market veterans, but for the average investor juggling a career and family, professional guidance prevents costly mistakes<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">This client invested \u20b92,60,000 at the worst possible time\u2014the very peak of the market when the Sensex cleared 83,000. Without a staggered, diversified strategy, this portfolio could easily have mirrored the broader market&#8217;s -6.27% contraction. Instead, through structured asset allocation and proactive planning, the investor is experiencing steady resilience\u2014accumulating nearly \u20b943,000 in net gains despite a challenging market environment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Navigating the markets without prior knowledge can be daunting, making trusted professional guidance invaluable for staying the course and achieving key financial milestones. When dedicated professional guidance safeguards your portfolio and steadily builds assets during volatile periods, partnering with an expert becomes an investment that truly enriches your financial future. That is the definition of true financial expert guidance, and it is precisely why trusted professional guidance serves as an invaluable anchor, helping investors navigate their wealth creation journey with clarity and confidence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Want a look at how your own portfolio&#8217;s allocation and timing strategy holds up under a similar stress test? Reach out via PortfolioCube for a personalized portfolio review.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Disclaimer:<\/strong>&nbsp;Mutual Fund investments are subject to market risks. Please read all scheme related documents carefully before investing. Past performance is not indicative of future returns. Nawneet Kumar Panjiyar is an AMFI Registered Mutual Fund Distributor (ARN&nbsp;303470) and does not provide investment advisory services in the capacity of a Registered Investment Adviser. Nothing on this page constitutes investment advice; please consult scheme documents and, where appropriate, a qualified financial adviser before making investment decisions.<\/p>\n\n\n\n<div style=\"text-align: right;\">\n  <a href=\"#\" id=\"blogShareTest\" class=\"pc-share-btn pc-share-btn-full\" target=\"_blank\" rel=\"noopener\" data-share-url=\"https:\/\/portfoliocube.in\/blog\/the-discipline-dividend\/\" data-share-title=\"The Discipline Dividend\" data-share-body=\"The Real Value of Professional Expert Guidance in Long-Term Investing.\">\n    <svg viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><circle cx=\"18\" cy=\"5\" r=\"2.5\" stroke=\"currentColor\" stroke-width=\"1.6\"><\/circle><circle cx=\"6\" cy=\"12\" r=\"2.5\" stroke=\"currentColor\" stroke-width=\"1.6\"><\/circle><circle cx=\"18\" cy=\"19\" r=\"2.5\" stroke=\"currentColor\" stroke-width=\"1.6\"><\/circle><path d=\"M8.2 10.7L15.8 6.8M8.2 13.3L15.8 17.2\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\"><\/path><\/svg>\n    Share\n  <\/a>\n<\/div>\n<script src=\"https:\/\/portfoliocube.in\/assets\/js\/pc-share-button.js\"><\/script>\n","protected":false},"excerpt":{"rendered":"<p>Share In the modern financial landscape, a louder-than-ever narrative dominates headlines, podcasts, and social media platforms: \u201cInvest directly into company [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":223,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[6],"tags":[12,15,14,13],"class_list":["post-147","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-common-investment-mistakes-in-mutual-fund","tag-direct-plans","tag-discipline-dividend","tag-mfd-commissions","tag-regular-plans"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - 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