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Many investors undermine their returns from mutual fund investments due to behavioral mistakes. Here's what not to do:

• Fund Herding: Investing in funds with strong recent returns may prove unwise as past returns are not sustained. Opt for funds with consistent performance, fund manager experience, and suitability to your needs.
• Market Timing: It's hard to get the market tops and bottoms right. Instead of waiting for the "best" time to start an investment, remain invested via SIPs for rupee-cost averaging.
• Pause SIPs in Market Downturns: This is a major mistake—missing recovery, which accounts for much of the long-term returns. Increase or continue SIPs in drawsdowns.
• Not Paying Attention to Fund Fees: Higher fees reduce returns. Opt for direct plans with lower fees.
• Lack of Diversification or Choosing Funds: Concentrated investments or equity for short time frames are incorrect risk-return matches.
• Lack of Goals or Risk Management: Set goals, investment tenure, and risk tolerance.
• Emotional Decisions: Panic selling or FOMO-led switches hurt returns

Adhere to a methodical goal-based plan, review yearly, and seek financial advice for bespoke strategies. Time and a disciplined approach prevail for mutual funds