Many mutual fund investors grow concerned when their portfolios fail to deliver meaningful returns despite investing regularly through systematic investment plans (SIPs). Market volatility, frequent portfolio reshuffling, and unrealistic return expectations often prompt them to question their investment strategy. However, financial experts emphasise that equity investing is a long-term journey and periods of muted or even negative returns are a natural part of wealth creation.
One such query came from Renuka, a viewer of The Money Show on ET Now, who sought advice after earning barely 1% returns despite investing for four years. She also wanted to know whether her portfolio needed any changes and if her increasing exposure to mid and small-cap funds was weighing on overall performance.
