Investment Approaches

The advice to "stay invested" is easy to give. It's also suspiciously convenient when it comes from a fund manager who benefits when you don't leave. So, we tested it. Eighteen flexi cap funds. Over a decade of data. A simulated investor who exits when their fund underperforms. The answer is uncomfortable for different reasons than we anticipated. Investor returns depend on two decisions. Which fund you pick, and what you do after you pick. Research suggests most investors get at least one wrong. The DALBAR Quantitative Analysis of Investor Behavior[i] estimates investors trail the very funds they invest in by nearly 2% annually. Morningstar's Mind the Gap 2025 report[ii] found a 1% gap over a decade.

Anoop Vijaykumar10 March 2026

Analysis & Commentarybehavioural-finance

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The Factor Zoo and the Animal that is Momentum
Momentum investing sounds simple, but the choices behind it create a zoo of possible strategies. Read on to know how these choices shape momentum factors, and why economic intuition matters more than backtest performance.
Aaryan Sanghavi

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