Mid-cap and small-cap investors are facing deep pain, with individual portfolios bleeding 30–35% in many cases. While fund investors benefit from professional management, individual investors often get stuck during every market rally because they try to navigate volatility on their own. The transcript highlights a crucial truth: investing is a specialized skill, especially when money is involved. Many wrong and costly decisions are visible in retail portfolios today—often driven by chasing “hot” stocks instead of fundamentals. But it’s not too late. The best way forward is to consult a quality advisor, restructure the portfolio, correct past mistakes, and realign for growth. With the right guidance, even damaged portfolios can be repaired and put back on a growth path.

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