Mutual Funds

MUTUAL FUNDS

Mutual Funds

What is a MUTUAL FUNDS?

Benefits of investing in Mutual Funds

Risk Associated with Mutual Funds

Mutual Fund Classification and Categorization

Systematic Invesment Plan [ SIP ]

Systematic Transfer Plan [ STP ]

Mutual Funds

In Financial Planning, Mutual Funds Play a mojor role to achieve the Financial Goals of a Person whether it may be short, Medium & Long term Goals.

Each one of us are having different needs and goals.

In General,
Common Goals like, ‘’ Buying a Dream Home, Dream Car, Children’s Education & Marriage, Retirement Planning and Creation of Wealth’’can be achieved only by investing thro.’ MUTUAL FUNDS.

  • Market Risk
  • Inflation Risk
  • Credit Risk
  • Interest Rate Risk
  • To Know more Details - Call: +91 99943 00763

    1.EQUITY FUNDS :
    • Investing into the Equity Shares or Stocks of a Company.
    • It Provides Higher Returns over Longer Periods of Time.
    EQUITY SCHEMES:
    • Large cap
    • Large & Mid cap
    • Multi cap
    • Mid cap
    • Small cap
    • Value-Oriented
    • ELSS
    • Sectoral/Thematic*
    • International

    2.DEBT FUNDS :
    • Investing in Govt Securities, Company Debenturea and Fixed Income Assets.
    • They are relatively Safe Investments.
    DEBT SCHEMES:
  • Overnight
  • Liquid
  • Ultra Short Duration
  • Low Duration
  • Money Market
  • Short Duration
  • Medium Duration
  • Medium to Long Duration
  • Long Duration
  • Dynamic Bond
  • Corporate Bond
  • Credit Risk
  • Banking and PSU
  • Floater
  • Gilt
  • Gilt with 10-year constant Duration
  • FMP
  • 3.HYBRID FUNDS:
    • Investing both in Equity and Debt Funds
    HYBRID SCHEMES:
    • Conservative Hybrid
    • Balanced Hybrid
    • Aggressive Hybrid
    • Dynamic Asset Allocation or Balanced Advantage
    • Multi Asset Allocation
    • Arbitrage
    • Equity Savings

    4.SOLUTION ORIENTED FUNDS:
    • Schemes having a lock-in for at least 5 years or till at a particular age whichever is earlier.
    SOLUTION ORIENTED SCHEMES:
    • Retirement
    • Children

    5.OTHER FUNDS:
    • Investing in Securities of a Particular Index or Overseas/Domestic Fund.
    OTHER SCHEMES:
    • Index Funds/ETFs
    • Fund Of Funds (Overseas/Domestic)
    • Commodity Fund: Gold

    Systematic Invesment Plan [ SIP ]

    SIP is the way of Disciplined Investment in Mutual Funds. Key Benefits of investing thro.’ SIP is that you don’t need to time the Market.

    Key Benefits of SIP:

    1. Rupee Cost Averaging [ RCA ] :

    The graph shows that units are accumulated every month inspite of NAV rise or fall.

    • In RCA, you need not time the market.
    • Investing an amount of money on a regular bases for a longer period of time and
    • To buy more units when the stock price is low and lesser units when the stock price is high which will average the cost.

    2. Compounding :

    • Investing early & regularly for a longer period of time.
    • The interest gets compounded over the years to build Wealth.

    3. Other Benefits of SIP :

    • Disciplined savings
    • Simple, Convenient and Easy to monitor.
    • Diversification.
    • To achive Future Financial Goals.
    Systematic Transfer Plan [ STP ]
    • STP is "Transfer of money from one mutual fund scheme to another"
    • Keep a Lumpsum in one scheme and transfer a fixed amount to another scheme regularly.
    • It is a smart strategy for the investment to reduce risks and balance the returns.

    Benefits of STP :

    • Scope for Higher Return.
    • Earning Steady Return
    • Managing Risks
    • Rupee Cost Averaging
    To Know more Details - Call: +91 99943 00763