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Mutual Funds

Mutual Funds Investment Approach

Mutual Funds can prove to be a tricky enterprise to invest in. A certain degree of know-how and expertise is required in order to properly select and invest in a mutual fund scheme. There is a wide variety of tools, ideas, and designs that can be consolidated into a mutual fund portfolio, which aligns with your financial goals. Mutual funds have always been the most remunerative choice for investors. If a person is looking to earn a significant amount of gains over a vast period of time, then an investment in mutual funds is the best option, available to him.

Where do we invest?

Because investing your hard-earned money secures your financial future by letting your money work for you rather than you putting in extra shifts at the workplace!

We have a team of mutual fund experts, who will guide you along on your financial journey. Our team will give you the best financial advice so that your hard-earned money is invested in the best manner.

Systematic Investments with interests over time can help with long-term wealth creation. Here are some of the investment avenues where we invest.

INVESTMENT BASED ON YOUR PURPOSE

Balanced

Efficient balancing of risk-return ratio for maximum wealth creation via capital appreciation. 60% in Equity and 40% in debt instruments.

Growth Plan

Dividend payout in the form of re-investments in the fund. Increased Net Asset Value of fund for higher returns.

Tax Saver

Equity Linked Savings Scheme (ELSS) helping you to save tax with investments in equity and related financial securities as the scheme is eligible for tax deductions under Sec 80C of Income Tax Act 1961.

Aggressive

High-Risk, High-Return Portfolios for maximum capital gains. Strategic equity purchase and capital appreciation for aggressive growth prospects.

Diversified

Long-Term Capital Growth via diverse investments across various sectors. Risk minimization with decent returns even in market slump.

Conservation

Capital Protection Funds, helping you secure your investment with returns like an equity scheme and protection like a fixed deposit scheme.

Frequently Asked Questions

A Mutual Fund can be defined as a form of financial instrument, whose portfolio formation includes stocks, bonds, or other kinds of financial securities. They are bifurcated into several kinds to suit the financial objectives of an investor.

An AMC (Asset Management Company) is a money management organization which pools money from various kinds of investors. The collected capital amount is then in various kinds of financial securities such as stocks, equities, bonds etc. They charge a little fee for fund management.
NAV or net asset value is defined as the cost incurred by an investor for purchasing a unit of a specific mutual fund scheme.
The calculating formula for net asset value is
Assets – Debits / Number of outstanding units = Net asset value (NAV)
The various kinds of mutual funds are Equity funds, Diversified funds, Sector funds, Index funds, Tax Saving Funds, Income Funds, Liquid Funds, Gilt Funds, Balanced Funds, Hedge Funds, etc.
The non-refundable fee paid to the AMC during the purchase of mutual fund units is named as Entry Load. Entry Load is joined to the NAV (buying price) when you are buying Mutual Fund units.
The non-refundable fee paid to the AMC at the time of redemption/ transfer of units among schemes of mutual funds is named as exit load. It is deducted from the NAV (sale price) at the time of aforementioned redemption/ transfer.
These schemes offer tax rebates to the investors by following the provisions of “Income Tax Act, 1961”. The Government of India also provides tax incentives for investment in specified avenues such as an “Equity Linked Savings Schemes (ELSS)” which falls under the umbrella of the Income Tax Act. These schemes are growth-oriented and invest pre-dominantly in equities.
Who can invest in a mutual fund?
The person who can invest in mutual funds are “Indian residents, NRIs, Companies, HUF (Hindu Undivided Family), Trusts, Partnership firms, Co-operatives and Regional Banks etc.
A Systematic Investment Plan (SIP), is a way of investing money in mutual funds, where a fixed amount is invested automatically at periodical intervals. It instills a sense of financial discipline in the life of an individual.

A scheme that invests essentially in other schemes of the same mutual fund or another mutual fund is known as a “Funds of Funds scheme”. This kind of scheme allows investors to gain higher diversification by making an investment in just one scheme. It spreads risks over a big universe.

Fund managers are mutual fund experts who have their keen eye on the financial market. They select the right pick of stocks, debentures, debt instruments, government securities to maximize the profits on your investment.