While we have been recommending direct plans to our Premium subscribers due to their cost efficiency, we examine if their lower expense ratio can help you build more wealth on the occasion of their tenth anniversary. Broadly speaking, investing in direct plans save you about 1 per cent in equity mutual funds and 0.5 per cent in debt funds. The difference may seem negligible on paper, but it is a financial game-changer. Let's see how. The lumpsum route On average, a direct flexi-cap fund has delivered 14.3 per cent against a regular flexi-cap fund's 13.4 per cent in the last ten years. So, if you had invested Rs 5 lakh in one go in 2013, the direct fund would have helped your original investment grow to Rs 19.03 lakh today - Rs 1.44 lakh more than the regular fund. The difference in returns balloons further over 20-
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