[Podcast] Are Mutual Funds only Sahi for the Middle Class?[Podcast] Are Mutual Funds only Sahi for the Middle Class?

Mutual Funds are often seen as the McDonalds of the investment world. They are ubiquitous and convenient, and yet, they are seen to lack the prestige of a fine dining experience aka Private Equity et al.

In this episode, we take on the big question: Are mutual funds only for the salaried middle class, or is there a bigger story here? Deepak and Shray dive deep into the history and perception of mutual funds, from their once-exclusive status to becoming the go-to vehicle for SIPs and forced savings.

But why don’t you hear family offices or the ultra-wealthy proudly boasting about their mutual fund holdings? We explore this through the lens of economic class distinctions (India A, B, and C) and unpack how perceptions of exclusivity and quality affect investment choices.

Whether you're planning for retirement, your child’s education, or just wondering if your portfolio is too “plain vanilla,” this is a conversation that will make you rethink how you view mutual funds.

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0:00 – Intro
13:29 – Choosing Exclusivity Over Simplicity
17:34 – Volatility Laundering
20:32 – Liquidity in University Endowment Funds
31:49 – Alternative Investments
38:58 – Mutual Funds vs Other Investments
44:12 – Why not hire a personal fund manager?
48:04 – Advantages and Disadvantages of Mutual Funds
1:12:26 – Use cases for Mutual Funds
1:22:41 – Who are Mutual Funds not for?

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Deepak's Twitter: @deepakshenoy
Shray’s Twitter: @shraychandra
Capitalmind Twitter: @capitalmind_in