KLRT 😊

Many people criticize mutual funds for charging an extra 1% commission. But very few talk about how other players in the financial industry actually encourage investors to lose money. ➡️Stock brokers constantly push investors to trade more because higher trading means more brokerage for them. This often leads to losses for retail investors. ➡️Insurance agents earn around 15–25% of the first-year premium when they sell life insurance policies. Because of this high commission, many agents push unsuitable insurance products to customers. ➡️On social media, especially on apps like Instagram, many influencers promote stocks through paid marketing. Sometimes these promotions are used to dump shares on retail investors. ➡️many people sell expensive courses about futures and options trading, promising quick profits. In reality, most buyers of these courses do not gain any real advantage and end up losing money. Ironically, all these groups—brokers, influencers, option-course sellers, and insurance agents—should actually thank the mutual fund industry and retail investors. Retail participation and mutual fund investments help keep the market stable. Otherwise, heavy selling by foreign investors could have severely damaged the market and the businesses of these very people. So here is my open challenge: Show me one investor who did SIP in a mutual fund for five years and permanently lost their capital over any long-term period. On the other hand, I can show thousands of investors who have lost money in options trading, investors pushed by brokers to trade excessively, and people who felt cheated after buying inappropriate life insurance products.