Index Fund ने Active Fund को हराया? 😱 15 साल का real data #shorts

क्या expensive active mutual fund लेना ज़रूरी है? या simple index fund ही काफी है? 🤔 Real data काफी interesting है. SPIVA India reports के अनुसार, लगभग 65%–75% active large-cap funds लंबे समय में अपने benchmark index को beat नहीं कर पाए. कुछ reports में 10-year horizon पर underperformance लगभग 73%+ तक रही है. मतलब: Long-term investing में majority active large-cap funds index fund से पीछे रह गए. ऐसा क्यों होता है? 📉 3 major reasons: ✔ Higher expense ratio ✔ Wrong stock selection risk ✔ Fund manager change risk Index fund क्या करता है? बस market index को track करता है और cost भी बहुत कम रखता है. Important Exception 🚨 Mid-cap & small-cap categories में कुछ active funds benchmark को outperform कर सकते हैं. SPIVA data में कुछ periods में active mid/small-cap funds ने better relative results भी दिखाए हैं. इसलिए: Large-cap ≠ Mid-cap Same rule हर category पर apply नहीं होता. Simple Rule Large-cap investing? 👉 Index fund often makes strong sense. Mid/Small-cap? 👉 Good active fund consider किया जा सकता है. Topics covered: index fund vs active fund india spiva india report explained large cap index fund india active mutual fund vs passive fund nifty index fund investing mutual fund investing strategy passive investing india wealth creation india financial freedom hindi long term investing india index fund vs active fund india spiva india report explained large cap index fund india active mutual fund vs passive fund nifty index fund investing passive investing india mutual fund investing strategy index fund benefits india active fund underperformance india best index fund india wealth creation india financial freedom hindi long term investing india sip investing india investing for beginners india personal finance hindi stock market basics hindi money management india smart investing india mutual funds for beginners Comment INDEX and I’ll send the simple rule investors use to decide where to choose an index fund and where an active fund st