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What is a Mutual Fund?
Mutual Funds are registered with SEBI (Securities Exchange Board of India) which insures a secure and safe mode of investment.
Mutual Fund is a common pool of money where a number of investors invest the money with common investment objective. It is like a trust that managed by professional fund managers, the collective amount is invested in equities, money market instruments, bonds, gold and other similar assets or securities according to the investment objective of the fund. The combined holdings of particular mutual funds are called as a portfolio. Investors invest in mutual funds to earn the highest possible gains / income generated from collective investment and that distributed proportionately amongst all the investors after deducting a small applicable charges or expenses along with levies.
Some types of Mutual Funds
Generally Mutual Funds Can be categorized as below:
Funds that investment objective / portfolio is only in equities and other stocks.
Funds that investment objective is only in fixed income instruments.
Funds that investment objective to create a balance by dividing investment in debt & equity.
ELSS – Tax Saving Mutual Funds
Funds that the investment objective to save tax and good returns by lock in period.
Advantages of Mutual Funds
|· SIP (Systematic Investment Plan)||· Tax Effenciency||· Lock -In period|
|· Low cost Investment||· Expert Money Management||· Diversification & Goal Based Investment|
|· Flexible terms on Tenure||· Flexibility to switch funds||· Liquidity|
Who Should Invest In Mutual Funds?
Mutual fund schemes are based on the financial goals for every common investor. It is for everyone to invest in mutual funds and take benefits of good returns / gains.
When to Invest in Mutual Funds?
- Availability of extra funds
- Suitable Market conditions
- Desired duration of the investment for better return expectations.