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<https://substackcdn.com/image/fetch/f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F2cf431d9-54e6-40d6-b42d-1341744095e6_1024x1024.png>
<https://bizfin.substack.com/p/is-a-direct-mutual-fund-plan-always>