Life-cycle mutual funds vs DIY portfolio: Automate investing or manage it yourself for 30 years—what experts suggest
AI Summary
Investors should carefully consider their investment strategy between life-cycle funds and DIY portfolios, especially given the regulatory constraints and varying glide paths of life-cycle funds. While life-cycle funds offer simplicity and automatic rebalancing, they may not suit all investors, particularly those who prefer a hands-on approach to asset allocation. The current offerings in the market, especially from major AMCs, indicate a growing trend towards structured long-term investing, which could appeal to retail investors looking for a streamlined solution for retirement or children's education savings.
When investing for long-term goals such as retirement or a child’s future, you have two options: choose a life-cycle fund that automatically changes its asset allocation over time, or create your own do-it-yourself (DIY) portfolio of equity or debt funds and gold or silver ETFs.
Life-cycle funds follow a predetermined glide path, gradually changing the asset mix as the goal approaches. However, a self-built portfolio gives investors greater control over their asset allocation. Here's what experts have to say.
Original Article
Published on Livemint
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This is a results news update from Livemint, published on 30 September 2026.
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