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Mutual Funds
Understanding Mutual Funds
What Are Mutual Funds?
Mutual funds are investment programs funded by shareholders that trade in diversified holdings and are professionally managed. They pool money from numerous investors to invest in a broad range of securities, which can include stocks, bonds, or other assets. This collective investment strategy allows individuals to invest in a diversified portfolio without having to buy each asset individually.
Equity Funds
Providing potential for high growth and returns
Equity mutual funds are the funds which invests maximum portion of their corpus in equities of listed companies ranging from minimum 80% to 100% maximum.
Equity oriented mutual funds are typically suited for investors willing to take risk for excellent returns.
Risk doesn’t means erosion of your capital rather its all about the fluctuations in the share market and returns are not exactly guaranteed.
Equity mutual funds are the best funds to choose if you wish to reap more returns over long term say for e.g. 5-10 years and historically equity funds delivered more than 12% to 15% compounded returns over 5 year period and above.
Tax Saver Funds
ELSS Funds
ELSS – Equity linked savings schemes are the one which has 3 year lock in period from the time of investment and will be eligible for tax savings under section 80CC.
Mostly all tax saver funds are diversified and multi-cap in nature and the returns are fabulous.
Investors who doesn’t seek tax exemption but also looking for long term wealth creation can also prefer tax saver schemes.
Debt Funds
For investors who want to optimize current income assuming low to moderate levels of risk
Debt funds are those which invests in non equity related instruments such as bonds, government securities, corporate deposits etc.
Compared to equity funds debt funds are relatively of low risk. Risk here means returns are again not guaranteed but fluctuating here but not to the extent of equity funds.
Debt funds are suited for investors with short term goals and with low risk appetite.
Balanced Funds
Strikes a balance between debt and equity mutual funds
Balanced mutual funds are the one which strikes a balance between debt and equity mutual funds.
Balanced funds shall invest anywhere between 30-60% in equities and balance will be invested in debt instruments or deposits and cash equivalents to little portion to avoid risk.
BALANCED FUNDS with more equity exposure (upto 60%) and little equity exposure (max upto 20-30%) is a general categorisation of a balanced fund.
Disclaimer
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes. The Mutual Fund is not guaranteeing or assuring any dividend under any of the schemes and the same is subject to the availability and adequacy of distributable surplus. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
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