Mutual Funds 101
A mutual fund pools money from different investors in order to invest in a large group of assets such as Stocks, Bonds and Money Market Instruments. Professionals known as Fund Managers manage the holdings that make up the fund’s portfolio.
Benefits of Mutual Funds
Professional Management
Your portfolio is managed by fund managers who have the expertise for sound investment decisions.
Liquidity
Mutual funds are easier to buy and sell, compared to other assets such as gold and real estate.
Affordability
You can start with as low as Rs.500 and increase the amount as you like.
Diversification
Investing in different asset classes could reduce your risk to a large extent.
Customized Plan
Depending on your investment objective, you can get a plan that exactly fulfills your goals.
Which Funds are
Right For me?
To build your mutual funds portfolio the initial point is to determine your long-term plans for investing and take into account the following three:
Investment Goal:
Retirement
Buying a house
Time Frame:
Long term
Short term
Risk Tolerance:
High risk, high return.
Low risk, low returns.
How do I get Returns from Mutual Funds?
Once you’ve decided the fund to invest in, you can earn returns from mutual funds in the following three ways:
Dividend
Earning from securities, which are distributed once the fund books profits.
Capital Gains
When an asset is sold within the fund’s portfolio for more than it cost.
Increase in NAV
When the market value of a fund rises, it is reflected as an increased Net Asset Value (NAV) of the fund.
SIP Karo, Khush Raho.
SIP is a smart and hassle free method of investing in mutual funds. You can invest a pre-determined amount each month at a date of your choosing.
Benefits of SIP
Flexibility
You can decide the frequency and amount and change it whenever you want.
Compounding
If you save early and save often, your money has more time to grow.
Long-Term Gains
Due to rupee-cost averaging, SIP has the potential to deliver attractive returns in the long run.
Calculate how much you need to SIP
Disclaimer: All investments in mutual fund are subject to market risks. Past performance is not necessarily indicative of the future results. Please read the Offering Document to understand the investment policies and the risks involved.
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