Mutual Funds

Mutual Funds

A mutual fund is an investment vehicle where many investors pool their money to earn returns on their capital over a period. This corpus of funds is managed by an investment professional known as a fund manager or portfolio manager. It is his/her job to invest the corpus in different securities such as bonds, stocks, gold and other assets and seek to provide potential returns. The gains (or losses) on the investment are shared collectively by the investors in proportion to their contribution to the fund.

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Advantages of Mutual Funds

Liquidity

Unless you opt for close-ended mutual funds, it is relatively easier to buy and exit a mutual fund scheme. You can sell your open-ended equity mutual fund units when the stock market is high and make a profit.

Diversification

Equity mutual funds have their share of risks as their performance is based on the stock market movements. Hence, our fund managers spread your investment across stocks of companies across various industries and different sectors called diversification. In this way, when one asset class doesn’t perform, the other sectors can compensate to avoid loss for investors.

Expert Management

A mutual fund is good for investors who don’t have the time or skills to do the research and asset allocation. Our fund manager takes care of it all and makes decisions on what to do with your investment.

Invest in smaller denominations

By investing in smaller denominations of as low as Rs 500 per SIP instalment, you can stagger your investments in mutual funds over some time. This reduces the average cost of investment – you spread your investment across stock market lows and highs. Regular (monthly or quarterly) investments, as opposed to lumpsum investments, give you the benefit of rupee cost averaging.

Suits your financial goals

There are several types of mutual funds available in India catering to investors across all walks of life. No matter what your income is, you must make it a habit to set aside some amount (however small) towards investments. It is easy to find a mutual fund that matches your income, time horizon, investment goals and risk appetite.

Types of Mutual Funds

  • These funds invest in companies of all sizes and across sectors.
  • Flexi-cap funds are those funds which invest in companies across the market capitalisation spectrum, i.e. large-cap, mid-cap, and small-cap stocks.
  • These funds invest in the stocks of all the large-cap, mid-cap, and small-cap companies.
  • A flex-cap fund allows investors to diversify their investment portfolio across companies of different market capitalisation, mitigating risk and lowering volatility.
  • They are also referred to as diversified equity funds or multi-cap funds.

Our Fund Manager assesses the growth potential of various companies regardless of its size and invests the money across various market segments and companies.

Advantages of Investing in Equity Diversified Mutual Funds / Flexi Cap/ Balanced Mutual Funds

  • Exposure to all key sectors driving the Indian economy forward
  • Ideal for an investment horizon of 5+ year
  • Eliminates the need for buying different funds for comprehensive market coverage
  • A debt fund is a Mutual Fund scheme that invests in fixed income instruments, such as Corporate and Government Bonds, corporate debt securities, and money market instruments etc. that offer capital appreciation.
  • Debt funds are also referred to as Fixed Income Funds or Bond Funds.
  • A few major advantages of investing in debt funds are low-cost structure, relatively stable returns, relatively high liquidity and reasonable safety.
  • Debt funds are ideal for investors who aim for regular income, but are risk-averse. Debt funds are less volatile and, hence, are less risky than equity funds.
  • If you have been saving in traditional fixed income products like Bank Deposits, and looking for steady returns with low volatility, debt Mutual Funds could be a better option, as they help you achieve your financial goals in a more tax efficient manner and therefore earn better returns.
  • In terms of operation, debt funds are not entirely different from other Mutual Fund schemes. However, in terms of safety of capital, they score higher than equity Mutual Funds.
  • Liquid funds are debt funds that invest in fixed-income securities such as certificates of deposit, treasury bills, commercial papers, and other debt securities that mature within 91 days.
  • Liquid funds do not come with a lock-in period.
  • The redemption requests of liquid funds are processed within 24 hours on business days.
  • The risk levels of liquid funds are on the lower side.
  • Liquid funds are considered to least risky among all classes of debt funds as they mostly invest in high-quality fixed-income securities that mature soon. Therefore, these funds are suitable for risk-averse investors.
  • The returns offered by liquid funds are much higher than that of a regular savings bank account. Therefore, if you have any surplus funds, then you may consider parking them in liquid funds and earn better returns.
  • As the fund mostly invests in high-quality securities, the risk-averse investors may also consider investing in liquid funds.

Advantages of Investing in Liquid Funds

  • Suitable for putting money aside for emergencies
  • Near zero risk of loss if someone invests for at least one month
  • Have given up to 50% to even at times 100% higher returns than the savings bank account

A monthly income scheme is a scheme where you invest a certain amount of money every month and earn interest on it every month as well. This means that you earn the returns in the form of periodic payments.

Why Should You Go for a Monthly Income Scheme?

When you wish to secure your family’s financial future, you look out for various options for building the optimum portfolio. Adding a monthly income scheme plan to your portfolio offers you and your loved ones the assurance that they will enjoy security for a long time in the unseen future.

A monthly income scheme for any family will be of great significance, as it provides a steady inflow of money. In the absence of the breadwinner, or monthly salary after retirement, such monthly payouts can offer support in meeting with recurring expenses and maintaining a standard of living.

You invest in monthly income scheme plans mainly to secure your family’s future for a time when you may not have regular income after retirement or in your absence. However, some of the monthly income scheme plans also provide you with significant tax benefits both in the present and future.

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