Broadly there are two types of mutual fund categories: Equity & Debt. There are various combinations of these two categories that create hybrid funds.

In mutual funds your funds are managed by a highly qualified industry expert with 10-20 yrs of experience. Mutual funds are liquid and you can make full or partial withdrawal from it. Mutual funds give you the opportunity to invest in a diverse portfolio with minimum investment amount, mutual funds are less volatile than stocks, mutual funds offer the highest return on effort as an expert is managing the money, you don’t have to spend time tracking portfolio and Mutual funds are cost effective.

Mutual funds NAVs fluctuate as per market movement and there is possibility of making a notional loss in the short term but are most likely to deliver good returns in the long run if you stay invested.

Capital gains arising for within portfolio changes made by the Fund Manager don’t attract short term or long term capital gains tax. If one invests in ELSS (Equity Linked Savings Scheme), there is a Tax exemption of up to INR 1.5 Lacs per Financial Year under Section 80C of the Income Tax Act under the Old Tax Regime.

Yes, any time is a good time to invest in mutual funds. We can choose mutual funds according to your investment horizon right from a few days short term parking to long term financial goals.

There are no guaranteed returns in equity mutual funds. The returns depend on the time horizon and market performance. Short term returns can fluctuate a lot and can even go negative. But over 10+ yrs time the probability of making double digit returns is very high. In the past the Nifty TRI returns have been around 14% pa if stayed invested for over 10+ yrs.

Yes, you can save for your child’s education/marriage using children benefit funds, and you can plan for your retirement using retirement funds. Such solution oriented funds are good as the funds get earmarked for a specific financial goal.

SIPs are similar to recurring deposits where you invest a fixed amount in a designated fund every month. We can set up an auto-debit from banks so that a certain amount is saved every month and invested in mutual funds. SIP ensures you invest in a disciplined manner through ups and downs of the market. SIP has become the go to investment vehicle for most retail investor for its convenience and good investing experience.

Best performing funds keep changing. We can help you with creating an appropriate portfolio that suits your temperament, your return expectations and your time horizon.