Forget star ratings and tips — use a simple checklist to pick funds you can hold for a decade. Whenever someone meets me for the first time and finds out what I do, the question is almost guaranteed: “Ek baat bataiye — abhi kaun sa fund sabse best hai?” To me, that’s like buying a car by asking, “Which car did the fastest 0–100 kmph last month?” With mutual funds, you don’t start with the “best” fund. You start with where it fits in your life — your goals, time frame and your ability to sit through ups and downs. Over the years, I’ve come to rely on a simple five-step checklist. It’s also broadly what we use under the hood at Value Research Fund Advisor for our recommended list, with far more data and number-crunching. Step 1: I start with the category, not the “best” fund

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