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Structured approach recommended for new mutual fund investors

Experts recommend a goal-based, diversified approach for new mutual fund investors, emphasising SIP discipline and regular portfolio reviews.
Experts advise new mutual fund investors in 2026 to adopt a structured portfolio approach based on goals, risk tolerance, and time horizon. Diversification across asset classes and consistent SIP investments are highlighted as key pillars. Analysts caution against chasing recent performance and stress the importance of periodic rebalancing. Based on the recent performance of any asset class or any market segment, they allocate their money largely in that asset class or in that market segment, so that should not be done.