Expense ratio is one of the aspects that would differentiate between Direct Plans and Regular plans. If you are invested in Regular plans, you must be getting additional services from the distributor. What should you check if you are invested in Regular Plan? Is your portfolio getting reviewed every 6-12 months and in line with your asset allocation strategy and Risk appetite? Is your distributor providing all the tax saving options for the invested mutual funds regularly based on the budget planning every year? Is your portfolio churning the least expected returns in the span of 2-3 years? Is your regular plan just an interface or aggregator? (Say for example you visited a local bank branch, and you were informed about mutual funds and invested in them as you were excited checking the past returns) Is there a strategy in place to reach your goal? Did the mutual fund distributor talk about Capital appreciation, Capital preservation and Captial conservation phases for your ...