A mutual fund is an investment option that pools money from several investors and invests it in a diversified portfolio of assets such as stocks, bonds, and other securities. It is managed by professional fund managers who use their expertise to make investment decisions with the aim of generating returns in line with the fund’s objectives, such as capital growth, income, or a balance of both. Mutual funds are ideal for individuals who want to invest without having to research or directly manage individual stocks. One of the key benefits of mutual funds is diversification, which spreads risk across multiple investments. They also provide liquidity, meaning investors can easily buy or sell units of the fund. With relatively low entry amounts, mutual funds make it possible for small investors to participate in financial markets. Overall, they offer a convenient, professionally managed, and relatively safer way to build wealth over time.
Expert fund managers handle market research and decision-making. Investors benefit from professional guidance without needing deep financial knowledge, ensuring their money is managed effectively toward achieving specific financial goals.
Investors can start with small amounts through mutual funds. Systematic Investment Plans (SIPs) make regular investing easy, affordable, and accessible, helping individuals grow wealth steadily without needing large capital.
Mutual funds spread investments across different assets, reducing risk. This balance ensures more stable returns compared to individual stocks, protecting investors from heavy losses in volatile markets.
Mutual funds offer easy entry and exit, ensuring liquidity. With diverse options like equity, debt, or hybrid funds, they suit varied financial goals, risk levels, and investment horizons.
A New Fund Offer (NFO) is the first subscription opportunity for investors to purchase units of a new mutual fund scheme. Invest at the initial offer price and be an early participant in the fund’s growth journey.
A mutual fund is a pool of money collected from investors to invest in stocks, bonds, or other assets, managed by professional fund managers.
Mutual funds are subject to market risks. While they are regulated by SEBI in India, returns are not guaranteed and depend on market performance.
You can start investing in mutual funds with as low as ₹500 through SIPs (Systematic Investment Plans).
SIP allows you to invest a fixed amount regularly, while Lump Sum is a one-time investment of a larger amount.
Yes, you can redeem units anytime in open-ended funds, but some schemes may have exit loads or lock-in periods (like ELSS for 3 years).
Yes, mutual fund returns are subject to taxation. Taxation depends on the type of fund (equity/debt) and the holding period.
Equity funds invest in stocks, debt funds in fixed-income securities like bonds, and hybrid funds in a mix of equity and debt.
NAV (Net Asset Value) is the price per unit of a mutual fund. It is calculated as the total value of assets minus liabilities, divided by the number of outstanding units.
ELSS (Equity Linked Savings Scheme) is a tax-saving mutual fund under Section 80C of the Income Tax Act with a mandatory 3-year lock-in period.
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* Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing.
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