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Do layer ke kharche, aur wo kab bhi jaayaz hote hain
Published by The Retail Trader · AUG 05, 2026 · Mutual Funds & AMC
Fund of funds seedhe securities mein nahi, doosre funds mein invest karta hai. Iska matlab hai ek extra layer — management ki bhi aur kharche ki bhi.
Aap upar wale fund ka expense ratio dete ho, aur uske andar jo funds hain unka kharcha bhi already unki NAV mein kat chuka hota hai.
Isliye total cost aksar ek seedhe fund se zyada hoti hai, chahe headline TER kam dikhe.
Kuch situations mein ye structure hi practical hota hai:
• International exposure, jahan seedhe invest karna aasan nahi.
• Gold aur silver funds, jo ETF ke through hi exposure lete hain.
• Multi asset allocation, jahan ek jagah se poora allocation manage ho jaaye.
• Un investors ke liye jinke paas demat account nahi hai.
Faisla lene se pehle total cost nikaalo, sirf upar wala TER nahi. Aur ye poochho ki wahi exposure seedhe lena sambhav hai ya nahi — agar hai, to extra layer ka koi jaayaz kaaran hona chahiye.
Ye article sirf educational hai — koi buy ya sell recommendation nahi, koi guaranteed return ka daawa nahi, aur koi advisory nahi. Rules, rates aur mechanics exchange, SEBI aur RBI time-time par badalte hain, isliye har number apne broker ya official source par khud verify karo.