Nitin Ghai (Certified Mutual Fund Distributor – MutualFundVibe)

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In the last few days, the big conversation in the market has been about the Avadhut Sathe case and the SEBI penalty of ₹600+ crore.

He sold ₹546 crore worth of courses, claiming:

“Trading is so easy that even a 6-year-old can do it.”

But when SEBI opened his books…
his own portfolio showed a loss of ₹17 crore.

Yet lakhs trusted him.
Not because he had results.
Not because he had experience.
But because he spoke confidently and appeared everywhere.

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This Isn’t About One Person — This Is About Blind Trust

Recently, while reviewing multiple ₹10–20 lakh mutual fund portfolios, I noticed something worrying:

• Heavy exposure to small caps

• Business cycle funds

• Thematic bets

• Gold ETFs

• And ZERO allocation to large caps

When I asked why, the answer was the same:

“Someone recommended it.”

But nobody asked the MOST important question:

“How is your portfolio doing?”

And that’s the real problem.

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**If You Don’t Want an Advisor — That’s Absolutely Fine.

But PLEASE Don’t Skip This One Step.**

You may not want to pay commissions.
You may prefer DIY investing.
You may trust a friend, a colleague, a senior, a YouTuber, or a relative.

That’s perfectly okay.

But before taking any advice, ask these basic questions without feeling shy:

✔ How long have you been investing?
✔ What returns has your portfolio delivered over 5–10 years?
✔ How did your portfolio perform during market crashes?
✔ What mistakes have you learned from?
✔ Do you invest in the same products you recommend?

If someone cannot openly answer these questions,
you should NOT follow their advice — no matter how confident they sound.

You are trusting them with your money, your savings, your future.
You have every right to ask.

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**Hype can sell ₹546 crore worth of courses.

But only experience can protect your wealth.**

Don’t be shy.
Don’t feel awkward.
Don’t think, “What will they feel if I ask?”

Your money = your responsibility to question.

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#SEBI #InvestorAwareness #MutualFunds #AskQuestions #StockMarketIndia #ThinkBeforeYouInvest #FinancialLiteracy #PersonalFinance #WealthCreation #NitinGhai

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Disclaimer

This article is for educational purposes only and reflects personal views based on publicly available information and portfolio reviews. It is not investment advice. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.