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Last week, a reader asked a very common question: “If I switch funds after years of SIPs, won’t I lose the magic of compounding?” Short answer: No. Compounding doesn’t live inside a particular fund. It lives in time. When you move from Fund A to Fund B, your money doesn’t go back to zero. It keeps working from the higher base you’ve already built. Gains on gains—that’s compounding. Switching doesn’t reset it. There is one toll to cross: long-
This article was originally published on September 22, 2025.
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