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Mutual Funds
- Maximize Your Long-Term Gains
- Regular Flow of Income
- Beat Inflation with ease
What makes Mutual
Funds so popular?
Mutual Funds offer ease, diversification, and professional fund management. It helps you invest and build wealth over time irrespective of your financial expertise and investment size.
Why 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 mutual fund for you
Equity Fund
Invest now for your goals
Long Term Plan
Own Property
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
Long Term Plan
Child Education
- 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
Long Term Plan
Dream Vacation
- 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
What to know before you invest?
- Identify your financial goals for which you want to create a corpus
- Prioritize the goals to know your investment horizon
- Estimate the corpus needed for each goal to know how much savings would be needed
- Assess your risk profile, i.e., whether you like taking risks, are risk-averse or want risk in moderation
- Check the different types of Mutual Funds available based on their risk-return profile
- Check which fund would be suitable for short-term, mid-term and long-term investments
- Compare the available funds based on their portfolio composition and past returns
- Choose mutual fund schemes that match your financial goals, investment horizon and risk appetite
- Check the fund’s entry load that reduces the investment amount and your returns
- Choose schemes that have low entry loads for maximum investments
- Check the exit load which might be applicable when redeeming the fund
- Check the Total Expense Ratio (TER) too which affects the NAV and the returns
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1 Jan 1
My trading experience with ABM has been very fruitful. I have always been receiving excellent support from my dealer. Moreover, the transparent business practices at ABM makes it the preferred broker in the industry.
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Aditya Birla Sun Life Insurance Customer
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1 Jan 1
Due to seamless branch support and timely communication from ABSLI, my maturity payout process was quite smooth.
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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 are the tax benefits?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
-
Definition
Mutual Funds are pooled investment avenues that invest in a diversified portfolio of securities and are professionally managed.
-
Different Types of Schemes
Choose from different types of mutual fund schemes based on the asset class that they invest in.
-
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 ?
-
Expertly managed diversified portfolios
-
Different schemes for different investment strategies
-
Affordable and easily accessible
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Flexibility to choose the investment fund and amount
-
Easy liquidity
-
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.
-
For short-term financial goals
Choose short-term mutual fund schemes for :
- liquidity and
- capital protection.
-
For long-term goals
Stay invested and enjoy compounding returns
What are the tax benefits?
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 ?
-
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.
-
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.
-
Diversification
You can check the portfolio of your fund and do your research to know if this the right mix for your goals.
-
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.
-
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.
-
Fund Manager
Evaluate the performance of various funds managed by your manager over time to be assured of their reliability.
-
Taxation
There are taxes imposed on certain amounts such as redemptions, returns, etc. as well as taxes saved on certain types of funds.
FAQs On Mutual Funds
A mutual fund is an investment instrument that collects money from multiple investors and creates a pooled fund. Then, this fund is invested in a diversified portfolio of securities. Mutual Funds are managed by professionals.
Mutual Funds are of various types. Some of them include equity funds, debt funds, hybrid funds, etc. Moreover, each type of mutual fund is further subdivided into different funds depending on their portfolio allocation.
Some of the costs associated with Mutual Funds include the entry load, exit load, and Total Expense Ratio (TER).
Mutual Funds are liquid avenues allowing any-time withdrawals. However, if you have invested in an ELSS or solution-oriented mutual fund scheme, there might be a lock-in period after which withdrawals would be allowed. That being said, the longer you stay invested in a mutual fund, the better returns you can get.
There is no minimum tenure as the investment horizon depends on your goals. However, there’s a minimum lock-in period for ELSS and target maturity mutual fund schemes. So, if you choose these schemes, check the lock-in period and ensure it aligns with your investment horizon.
A SIP is a way of investing in Mutual Funds wherein you make regular investments in a fund without your intervention every time For instance, you can invest rs 1000 on 5th of every month in a fund through SIP. In this case once you set up the SIP, every month Rs 1000 will be invested in your chosen fund automatically. you need not to initiate the transaction every month.
SIPs offer several benefits, disciplined investing, including rupee cost averaging, flexibility in investments, and compounding returns over time.
One of the primary benefits of SIP is its affordability. You can start investing in Mutual Funds with a small amount of money. Aditya Birla Capital Digital offers different types of Mutual Funds wherein you can start a SIP investment with as little as Rs.100.
Except for ELSS- the tax saving fund and target maturity mutual fund schemes, SIPs do not come with a lock-in period. You can continue your investment for as long as you want and stop them at your convenience. You can withdraw the amount whenever you want.
Yes, you can. Investors can easily modify their SIP amount and frequency based on their financial goals and prevailing situations.
A lump sum investment refers to investing an amount of money in a single transaction. It does not require individuals to invest money at regular intervals like SIPs.
Lump sum investments have various benefits. Some of these benefits are as follows -
- You can get immediate market exposure and benefit from a rising market
- You don’t have the liability to make regular investments in the mutual fund scheme
Certainly, timing can play a significant role in a lump sum investment. Several investors consider market conditions before making a lump-sum investment like they buy when the market is low. But it needs considerate amount of research to understand the market. So for someone who can not do their own research, should stick to SIP whereas regular investment is made irrespective of market condition. It helps in Ruppee cost averaging i.e. for the same amount you will buy more fund when market is low, and you will buy less amount when market is high.
Considering factors like risk tolerance, time horizon, investment objectives, and market conditions, is crucial before making a lump sum investment.
Investors must diversify their investments across various sectors. This strategy helps mitigate risks associated with lump sum investing. Moreover, time the market correctly when making a lump sum investment so that you can get the maximum possible return on investment.