As promised here is the performance of the followings for the month of January 25. The table clearly shows the performance of different fund categories for January 2025: •Top 20 Funds Rated by Agencies (Direct Plan): -5.27% •Top 20 Funds with Highest 1-Year Returns (Direct Plan): -8.36% •Basket by Vijai Mantri (Regular Plan): -4.16% Key Takeaways: 1. Highest 1-Year Return Funds Underperformed the Most: The funds that had the best one-year performance as of December 2024 saw the biggest decline (-8.36%). This reinforces that past returns are not a reliable indicator of future performance. 2. Top-Rated Funds Also Declined Significantly: The funds rated highly by agencies performed better than the high-return funds but still fell by -5.27%. 3. Curated Basket by Vijai Mantri Had the Least Drawdown: The regular plan basket performed better than both direct plan categories, declining only -4.16%. This suggests that a well-diversified and actively monitored portfolio may help deliver better investment