Why do we invest in stocks?

• Growth: Beat the FD interest rate
• Passive Income: Dividends
• Liquidity: Get your money back ASAP
• Risk: Better ROI with (minimum) Risk

Why picking individual stock is hard?

• You don't have all the information
• You have a full-time job
• It is hard to find a growth stock at a correct valuation
• You are not updating yourself with news on your portfolio stocks to make decisions like add, exit, or buy

Index Fund:

• [ ] Growth: 11.14 CAGR (https://primeinvestor.in/nifty-50-returns/)

• [ ] Dividend: source(https://coin.zerodha.com)

  

• [ ] Liquidity: Fund size (https://www.moneycontrol.com/mutual-funds/nav/idfc-nifty-fund-direct-plan/MAG739)

• [ ] Risk: Diversified

• [ ] Investment cost: As low as 0.1% along with 0 exit load