How To Match Your Goals With The Right Mutual Fund

In this insightful Face2Face conversation between Vivek Bajaj and Raunak Onkar, the focus is on building a strong foundation for investing by aligning money decisions with life goals. Raunak emphasizes that investing should begin with clarity—whether the objective is buying a home, planning for children’s education, or retirement. Instead of chasing random mutual funds or hot tips, each goal must be mapped to suitable investment instruments.

A balanced allocation between equity and debt is highlighted as a powerful starting point. While debt ensures stability, equity drives long-term growth. Raunak advises beginners to start with a modest equity exposure, gradually increasing as confidence builds. Matching investments with time horizons is equally important—short-term needs are best met with liquid or debt funds, while equity should be reserved for long-term wealth creation.

The discussion also stresses the importance of realistic expectations. Historical equity returns above 20% are unlikely to sustain, making it vital to review and rebalance portfolios periodically while focusing more on consistent savings. Emotional discipline, patience, and diversification, rather than reacting to market noise, are the true drivers of success.

Raunak further explains how evaluating fund managers, understanding their strategy, and using practical valuation methods like comparisons with peers and history can guide smarter decisions. He reminds investors to always think in terms of opportunity cost—taking risk only if it meaningfully outperforms safer options. The session closes with a call for continuous learning, discipline, and consistency as the real edge in long-term wealth creation.