You will easily get return data on Nifty. If you ignore minor tracking error, Just check Nifty Index fund returns which will give return data in lumpsum and sip mode for nifty. there are index funds from UTI, ICICI, HDFC etc there from last 20+ years.
Minor expenses will be there anyway if one buys ETF or Index funds.
If majority of Active funds unable to beat the Nifty/Index returns for several years, one will move to Index funds to save expenses. For the expense active funds charge, they should able to generate 4-5% excess return. Do not compare just 1/2 years, looks at 5/10/15 years long term if active funds able to beat Nifty returns.
why you need diversification? you invested 100% in equity and during market crash you need sudden money. will you sell your equity taking loss?
To save guard such situations, some portion has be in liquid/debt/FD instruments where capital is preserved.
one needs money in next 1-3 years, they should not invest in equity. need to choose FD/liquid/debt as no one know how stock market will be when you need money.
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