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Mutual Funds

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Q: What are the types of Mutual Funds?

Mutual funds can be categorized based on asset class, investment goals, structure, and risk. Based on asset class includes equity funds, debt funds, money market funds, etc. Based on investment goals includes growth funds, income funds, liquid funds, etc. Based on structure includes open-ended, closed-ended funds, and interval funds. Based on risk includes very low, low, medium, high, etc.

Q: Which is better SIP or MF?

Mutual funds (MF) are an investment tool, while a Systematic Investment Plan (SIP) is a method for investing in mutual funds. Mutual funds can cater to both short-term and long-term financial goals, while SIPs are primarily focused on long-term financial goals.

Q: Are Mutual Funds safe?

While mutual funds are subject to market risk, they are regulated by SEBI, which helps to prevent fraudulent activities. Mutual funds are a relatively safe, low-cost, and convenient investment option for those looking to start investing.

Q: What is the best Mutual fund to invest in?

The best mutual funds to invest in depend on your financial goals. However, you should conduct thorough research before investing in any mutual fund.

A mutual fund a day keeps your financial stress at bay!

Invest in mutual funds to grow your money. Mutual funds are the right investment option for you. With high potential returns, mutual funds help you grow your investments and achieve your financial goals.

Benefits of Mutual Funds

Professional Management

Expert fund managers handle all investment decisions.

Liquidity

Easy to buy or sell shares at NAV on any business day.

Affordability

Low minimum investment requirements.

Convenience

Simplifies investing with ready-made diversification and management.

Plan you path to wealth

Monthly I can Invest

₹ 500

I plan to invest for

1 Year

If you invest₹ 500 every month for 1 Year at 12% rate of return

You may accumulate

₹ 6404.66

* Based on an assumed rate of return (s) of

, the above Investment simulation is for illustration purposes only. It should not be construed as a promise on minimum returns and safeguard of capital.

List of AMCs

Find Asset Management Companies that align with your investment goals and preferences.

Mutual Funds

Explore mutual funds tailored to your needs and preferences.

What are Mutual Funds?

A mutual fund is a type of investment where a company pools money from various investors to purchase different securities. Your dedicated fund manager invests the pooled funds across various classes of securities, such as equities, debt instruments, gold, and other assets. The profits from these mutual funds are distributed among the investors based on the percentage of their investment.

Types of Mutual Funds

1. Equity Schemes

Equity schemes primarily focus on investing in the equity of companies. These schemes can be further categorized based on their capital structure.

Large-Cap Funds

The funds are invested in the stocks of the top 100 companies by market capitalization.

Mid-Cap Funds

The funds are invested in the stocks of the top 101-250 companies by market capitalization.

Small-Cap Funds

The funds are invested in the stocks of 251 and above companies by market capitalization.

Multi-Cap Funds

The funds are invested in stocks of each of the large, mid, and small-cap stocks.

2. Debt Schemes

Debt mutual funds are investments focused on primarily investing in fixed-income securities like government securities, corporate bonds, treasury bills, and other debt instruments. These debt mutual funds are further categorized depending on tenure and risk.

Money market

The funds are invested in market instruments with a maximum maturity of 1 year.

Corporate bonds

A minimum of 80% of the funds are invested in the corporate bonds with the highest ratings.

Overnight funds

The funds are invested in the debt securities having a maturity of 1 day.

Liquid funds

The funds are invested in market instruments having a maturity of a maximum of 91 days.

3.Hybrid Schemes

Hybrid Schemes focus on investing in a mix of different classes of assets including equity, debt, or gold spread across different sectors.

Aggressive Funds

A minimum of 65% to a maximum of 80% is invested in equity while the rest is allocated to debt assets.

Multi-Asset Allocation Funds

A minimum of 10% of your allocated funds are invested in at least three different asset classes including equity, gold, and debt instruments.

Dynamic Asset Allocation Funds

The dynamic nature of the funds provides flexibility to invest 0-100% in either equity or debt.

Arbitrage Funds

The funds are invested in the market such that they generate high to moderate returns depending on the market condition and available opportunities.

4. Solution Oriented Schemes

Retirement Fund

With a lock-in of 5 years or till your retirement age (whichever is earlier), you can invest in retirement solution-oriented schemes also known as pension funds. It is considered a low-risk investment similar to government securities.

Children’s Fund

With a lock-in of 5 years or till the child attains majority age (which is earlier), you can invest in Children’s solution-oriented schemes.

5. Other Mutual Funds

Index Funds

Designed to replicate the performance of stock markets like NSE Nifty, BSE Sensex, etc, you can invest in Index funds with low-cost and long-term investment options.

Funds of Funds

Instead of investing directly in bonds, stock, or other securities, you can invest in other funds that include different securities. This includes asset allocator or multi-asset funds, international fund of funds, ETF-based fund of funds, gold fund of funds, etc.

Disclaimer: Mutual Funds are subject to market risks. Please read all the scheme-related documents carefully before investing.

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