FAQs: What Every Investor Must Know
Q: Is some overlap unavoidable?
A: Yes—up to 15% is normal. Beyond 25% requires action.
Q: How often should I check for overlap?
A: Every 6 months, or when adding new funds.mutual fund overlap
Q: Do SIPs in overlapping funds make it worse?
A: Absolutely—you’re systematically increasing exposure to the same stocks.
Q: Can overlap ever be beneficial?
A: Only if deliberately overweighting a high-conviction stock.
Act Now Before It’s Too Late
Mutual fund overlap isn’t just inefficiency—it’s an active threat multiplying your risk while capping returns. In 2025’s volatile markets, this silent killer has already wiped out ₹12,000 crore from retail investor portfolios (SEBI Q2 2025 Data).
Your 3-Step Action Plan:
- Run an overlap check today using Kuvera
- Prune redundant funds this week
- Rebalance quarterly to maintain optimal diversification
For deeper insights, read our, SIP Interest Rate SBI 2025
Key Stats Recap:
- 65% of investors suffer from harmful overlap
- Average overlap reduces returns by 3-5% annually
- Proper fixing takes <2 hours but boosts long-term gains
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Final Thought
True investing wisdom lies not just in what you own, but how your holdings work together. By fixing overlap today, you’re not just solving a problem—you’re installing a permanent advantage in your portfolio.
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