<h1>Guide to building compliant retirement mutual fund portfolios: start early, use systematic investing, align risk and goals</h1> The release advises investors on legal-compliant best practices for building retirement mutual fund portfolios, warning against common pitfalls: delaying investments which undermines compounding; poor asset allocation or over-diversification; failing to align investments with risk appetite and horizon; relying on past performance or market timing; and investing without clear, goal-based plans. It recommends early start, disciplined systematic investments, diversified allocation across equity, debt and alternative assets tailored to risk tolerance, gradual de-risking near retirement, selection of consistently performing funds, and regular portfolio reviews to protect retirement corpus and meet regulatory suitability expectations.