Mutual fund not performing? Here's how experts say you should review it

Investors should evaluate how consistently a mutual fund has performed across market cycles, the risks it takes, and whether it follows its stated investment strategy, rather than relying solely on recent returns.

Debasish Mohanty, Chief Strategy Officer at The Wealth Company Mutual Fund, advises assessing a fund's performance over longer periods and comparing it with its benchmark and peer group.

Jiral Mehta, Senior Manager, Research at FundsIndia, emphasizes that consistency matters more than a single year's performance, including how the fund behaves in falling markets and whether its portfolio aligns with its stated investment style.