Key Points
Mutual funds are a much sought after investment avenue especially by the new generation given the potential to generate high returns, particularly through the Systematic Investment Plan (SIP) route..
Middle aged investors also have the habit of doing comparison online and a good number of them decide and invest based on these comparisons...
Some of the information that a common investor would miss during an online research are pedigree of the fund manager, change in investment style of a scheme like growth and value, different stock picking style for various schemes of the same fund house, significant changes in the portfolio which could impact performance, reasons for the changes in the portfolio, market cap wise restrictions for the schemes, other restrictions in holdings, credit quality, etc...
So, clearly the information which easily hits our eyes like a great past performance, have very little relevance with regards to the investment decision as your investment is for the future and long term when the past performance and the current portfolio can change completely..
These facts allude to the fact that a very shallow online view of the funds would be remotely adequate to make investment decisions in mutual funds..
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