When you turn 30, there are always two questions you always want to avoid. How much are you investing and when are you having a baby? In both cases, don’t come under pressure and make a decision in a hurry. We might not be the right people to tell you how to handle the baby situation, but we can tell you what not to do when you start investing in Mutual Funds at 30.


  • Do not invest unless you know the fund you are investing in.
  • The fund of the year might not even find a mention in the next year’s list.
  • See how the fund has performed in the last 5 years.
  • When in doubt, stay simple. Invest in Mutual Funds that you understand easily.


  • Always keep your goals in mind before choosing a fund.
  • Create your goal buckets such as emergency funds, retirement, house, children, holidays, etc. and choose the fund accordingly.


  • Different goals have different timelines.
  • Experts say that if you have a long term horizon, it is better to invest more in equity Mutual Funds.
  • Similarly, they say it is always better to invest in debt-based Mutual Funds for short term goals.

This is just a starting point to help you understand how Mutual Funds work. But it’s not enough. We would suggest, read more before choosing the right fund. Meanwhile, if you know the answer to when are you having a baby, please let us know. This might also help a few early investors.

Check out Mutual Funds on Freecharge here.

*Mutual fund investments are subject to market risks, read all scheme related documents carefully.

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1 Comment

  • Lalit Soni
    Posted June 2, 2020 at 12:19 pm 0Likes

    Really a helpful guide, though i’m in my 20s but still a definitive text for the ones who are looking to invest for a better future. Loved it!

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