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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important nondeposit taking Non-Banking Financial Company (NBFC) and the holding
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Why you should Invest in Mutual Funds?
Diversification
Enjoy a diversified portfolio of different stocks, bonds, or other securities to reduce investment risks without compromising on returns.
Liquidity
Buy and sell your Mutual Fund anytime with out any restriction for most of the funds
Growth
Invest in securities linked to market performance and grow your savings over time to create a suitable corpus for your goals.
Simplicity
You don’t need an in-depth understanding of the markets to invest. There are professionals for that. Just choose your fund and let experts manage your investments
Select The Right Type of Mutual Fund For You
Equity Fund
Funds Based On Market Capitalisation
Funds Based On Investment Style
Invest In Mutual Funds As Often As You Can
REGULAR INVESTMENT
SIP Investment
Systematic Investment Plan or SIP is a mode of investment offered by the mutual funds wherein you can invest a fixed sum at frequent intervals; such as monthly, quarterly, etc.
START SIPONE TIME INVESTMENT
Lump-Sum Investment
With the lumpsum investment, one invests a significant amount of money in any mutual fund scheme of their choice.
INVEST LUMPSUMTotal Amount Invested
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Expected Wealth Gain
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Disclaimer: Projections/estimations is backtested using historical data.
Total Amount Invested
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Expected Wealth Gain
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Disclaimer: Projections/estimations is backtested using historical data.
Top Performing Mutual Funds
Most Popular
AUM: 23427(Cr)
Risk: Very High
- MIN. INVESTMENT 500
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹10000
- Get (30 Yrs) ₹24,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: High
- MIN. INVESTMENT 1000
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹15000
- Get (30 Yrs) ₹34,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: Very High
- MIN. INVESTMENT 500
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹10000
- Get (30 Yrs) ₹24,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: High
- MIN. INVESTMENT 1000
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹15000
- Get (30 Yrs) ₹34,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: Very High
- MIN. INVESTMENT 500
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹10000
- Get (30 Yrs) ₹24,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: High
- MIN. INVESTMENT 1000
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹15000
- Get (30 Yrs) ₹34,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: Very High
- MIN. INVESTMENT 500
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹10000
- Get (30 Yrs) ₹24,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: High
- MIN. INVESTMENT 1000
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹15000
- Get (30 Yrs) ₹34,850*
*Projections/estimations is backtested using historical data.
Invest Now for Your Goals
Save up for a down payment on home loan- Higher down payment = lower home loan = lower interest outgo
- Save affordably through SIPs
- Choose a fund based on your investment horizon
- Save up for high education costs.
- Equity funds can give long-term wealth creation
- Choose solution-oriented funds for dedicated investments
- Invest through SIPs or in a lump sum
Emergency Fund
- Create an emergency fund for unforeseen contingencies
- Choose liquid funds or short-term debt funds for liquidity
- Protect your capital against volatility
- Earn returns while enjoying instant redemptions
Early Retirement
- Plan for early retirement with Mutual Funds
- Choose equity or debt depending on your risk profile
- Grow your corpus with compounding returns
- Create a travel corpus for your dream vacation
- Save affordably through SIPs
- Choose short-term or long-term funds
- Earn attractive returns to grow your corpus
Major Purchase
- Plan and save ahead for a major purchase with Mutual Funds
- Assess your investment horizon and choose relevant funds
- Save regularly through SIPs and build a corpus
- Diversify your investments for better returns at reduced risks
ABCD - One app to build a diversified
Invest in mutual funds online with the ABCD app and build your portfolio one click at a time.
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A choice of different types of mutual fund schemes -
Online investments with a fully integrated digital platform
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Facility to switch, redeem and invest more from a single platform
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Understanding Mutual Funds
Table of Contents
Mutual funds 101: A look into mutual fund schemesHow do mutual funds work?What are the features of mutual fundsHow much mutual funds do you need?What are the payout options?What should be the duration of your mutual fund investments?What tax benefits in investing in Mutual Funds?What are the benefits of investing in Mutual Funds in India?How to Invest in a Mutual Fund in India?
Mutual funds 101: A look into mutual fund schemes
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Definition
Mutual Funds are pooled investment avenues that invest in a diversified portfolio of securities and are professionally managed.
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Different Types of Schemes
Choose from different types of mutual fund schemes based on the asset class that they invest in.
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Active and Passive Fund Management
Actively managed funds are those where the portfolio is actively managed for maximum returns. Passively managed funds track an underlying benchmark.
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Market-linked Returns
Unlock the potential to earn market-linked returns which are also inflation-adjusted.
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Easy Investments
Invest in a lump sum or in regular instalments to create a corpus for your financial goals.
How do mutual funds work ?
1. A mutual fund scheme collects investments from different investors.2. These investments are pooled in a consolidated fund.
3. The fund manager, then, invests the pooled fund in different types of market-linked securities based on the fund’s investment objective.
4. With market movements, the value of the underlying securities increases or decreases.
5. This causes changes in the value of the fund’s portfolio.
6. If the value rises, the NAV rises and investors can make a gain on redemption.
7. On the other hand, if the value falls, there’s a loss.
What are the features of mutual funds ?
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Expertly managed diversified portfolios
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Different schemes for different investment strategies
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Affordable and easily accessible
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Flexibility to choose the investment fund and amount
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Easy liquidity
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Different investment and payout modes
How much mutual funds do you need?
There’s no fixed number of Mutual Funds which are ideal for your portfolio.You can choose to invest in different types of schemes based on;
- Your financial goals
- Risk appetite
- Investment horizon.
A diversified portfolio of different types of Mutual Funds is suitable for;
- Risk mitigation and
- Attractive returns.
What are the payout options ?
There are two payout options in Mutual Funds -
Dividend Option
A part of the returns earned by the fund’s portfolio is declared as dividends at regular intervals. You can create a regular source of income with this payout option.
Growth Option
The portfolio returns are reinvested in the portfolio for enhanced growth. No dividend is paid. You can earn the aggregate returns on redemption.
What should be the duration of your mutual fund investments?
The duration depends on your financial goals.
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For short-term financial goals
Choose short-term mutual fund schemes for :
- liquidity and
- capital protection.
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For long-term goals
Stay invested and enjoy compounding returns
What tax benefits in investing in Mutual Funds?
Here’s a look at the tax benefits of Mutual Funds -
Equity-oriented funds
- 15% tax on the returns if you redeem the investment within 12 months
- 10% tax on returns exceeding Rs.1 lakh if you redeem after 12 months. Returns up to Rs.1 lakh would be tax-free
Debt-oriented funds
- Returns are taxed at per your tax slab
ELSS funds
- Investment qualifies for tax deduction under Section 80C up to Rs.1.5 lakhs
- Returns are tax-free up to Rs.1 lakh. Excess returns taxed at 10%
What are the benefits of investing in Mutual Funds in India?
Liquidity
You can redeem units of your mutual fund very conveniently whenever you need cash
Managed by experts
Fund managers who decide the instruments into which your investment is diversified are qualified, reliable experts
Easy investment process
It is a smooth, hassle-free, online process. You can be stress-free with fund managers making the core decisions for you
Higher Returns
Thanks to diversification and controlled high-potential equity investments, mutual funds give you relatively higher chances at good returns
Investment Diversification
The essence of mutual funds is that you don’t put all your eggs in one basket. Diversification amongst risk levels keeps you safer.
Low cost for bulk purchases
As compared to making numerous separate investments and paying higher commission, mutual funds help you save a lot with one cumulative charge.
Tax-saving Options
You can enjoy tax deductions upto ₹1.5 Lakhs under the Indian Income Tax Act with specific mutual fund investments such as ELSS.
Automated payments
You can give standing instructions to your bank for auto-deductions or even have your fund house send you multiple reminders for payments.
Flexibility
You have various types of funds, payment options, and terms to pick from as per your risk appetite, investment horizon, and financial needs.
Safety
Mutual funds are regulated by the law and by the SEBI (Securities Exchange Board of India), providing a high sense of credibility and security.
How to Invest in a Mutual Fund in India ?
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Identify Goals
The purpose of investing in mutual funds, the time in hand for achieving it, the corpus required, etc. decides the kind of fund you opt for.
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Risk Tolerance
How much risk can you absorb decides the number of high-risk, low-risk, or medium-risk instruments your fund manager picks for you.
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Diversification
You can check the portfolio of your fund and do your research to know if this the right mix for your goals.
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Performance
Finding out the quantum of returns the fund has provided investors over different timeframes such as a year, 3 years, 5 years, etc. is important.
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Expense Ratio
A lower expense ratio or the amount of your payment used for non-investment costs such as admin, management, etc. is always helpful.
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Fund Manager
Evaluate the performance of various funds managed by your manager over time to be assured of their reliability.
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Taxation
There are taxes imposed on certain amounts such as redemptions, returns, etc. as well as taxes saved on certain types of funds.
ABC of Mutual Funds