Your portfolio is a lot like your wardrobe. If you never clean it up, rebalance it, or remove what no longer fits, things quietly go out of control.

In this episode of Moneywise, we break down portfolio rebalancing in simple, no-jargon language. From why ignoring rebalancing can slowly distort your mutual fund portfolio to how often it actually needs attention, this conversation cuts through the confusion without fear-mongering or flashy claims.

We talk about what rebalancing really means, how asset allocation drifts over time, and why a portfolio that once made sense may no longer match your goals today. Whether you’re new to mutual funds or already investing through SIPs, understanding how to rebalance a mutual fund portfolio is a core skill many investors overlook.

If you’ve ever wondered how one should do rebalancing in mutual funds or struggled with how to rebalance and analyse a mutual fund portfolio, this episode helps you think through the logic calmly and clearly. No shortcuts. No hype. Just a smarter way to look at your investments.

Chapters:
00:00 Intro
01:13 Understanding Rebalancing
03:49 When to Rebalance?
06:12 Rebalancing Method
07:53 Rebalancing Mistakes
10:00 Recap

Think of diversification in mutual funds like food choices. Eating the same pizza for breakfast, lunch, and dinner every day gets boring and unhealthy. But trying 50 different dishes in every single meal? That’s chaos. The sweet spot is a balanced plate, and investing works the same way.

In this episode of Moneywise, we break down the real meaning of diversification and why many investors unknowingly fall into over-diversification in mutual funds.

More funds nay not always mean more safety. In fact, the disadvantages of over-diversification in mutual funds often include unnecessary complexity, overlapping holdings, and diluted outcomes.

Through simple analogies and clear logic, we explore how to think about diversification the right way, especially for mutual funds for beginners and anyone starting mutual funds and SIP for beginners. No jargon, no hype, just a practical way to understand how balance matters more than quantity.
Because smart investing isn’t about eating the same thing forever… or trying everything at once. It’s about knowing how much is enough.

Chapters
00:00 Intro
01:11 Underdiversification vs Overdiversification
02:21 Diversification Mistakes
03:40 4 Types of Diversification
05:54 How Many Funds?
06:58 Downsides of Overdiversification
08:02 Myths Busted
09:25 Quick Recap

Just like you can’t expect nonstop boundaries and zero wickets, higher return potential is generally linked with higher uncertainty.

We break down what is risk in investment, the types of investment risk, and why understanding this balance is a core part of informed investment strategies. No jargon, no promises, just clear financial education to help you think better about risk and return in investing in the stock market before making decisions.

Chapters:
00:00 Intro
01:08 T20 vs Test
02:26 What is Risk?
04:19 Market Stories
07:27 How To Assess Risk
10:15 Practical Tips
12:37 Investment Mistakes