Nitin Ghai
(Certified Mutual Fund Distributor – Founder, Mutual Fund Vibe)

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Today, I travelled across Delhi with my 80-year-young father.
To make the trip comfortable, I chose to take an auto instead of my own car or the metro.

Here’s how the costs stacked up:

• 🚇 Metro: ₹150 (round trip)

• 🚗 Own Car: ₹500 (fuel + parking hassle)

• 🛺 Auto: ₹700

So, a journey that could’ve been done for ₹150 cost me ₹700 — and I was completely fine with that.
Why? Because I paid extra for comfort and convenience.

Now, let’s relate this to investing 👇

Just like travel, investing offers multiple routes to the same destination (your goal) — each with its own cost and comfort level.

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• 🛺 High-risk, high-reward funds = Auto ride
  You may reach faster — historically delivering around 30–35% p.a. — but you pay more in volatility.

• 🚗 Balanced or Hybrid funds = Own car
  Moderate speed — typically 15–20% p.a. over the last few years — with manageable risk.

• 🚇 Conservative or Index funds = Metro
  Slower — around 10–12% p.a. historically — but reliable and consistent.

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There’s no single “best” route — it depends on your risk comfort, time horizon, and life stage.

👉 The key is to understand what you’re paying for.
In investing, the “extra cost” isn’t in rupees — it’s in risk.

🪙 Comfort costs. Patience pays.

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📉 Past performance may or may not be sustained in the future. Choose your route wisely.

📩 If you found this relatable, follow me for more simple stories that make investing easier to understand.
Let’s make investing a part of everyday conversations — one relatable example at a time.

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📌 Disclaimer: This content is for educational purpose only and not a SEBI-registered investment recommendation. Always consult a financial advisor before making investment decisions based on your personal goals and risk profile.

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