Mutual Funds

A mutual fund is a properly managed investment fund that gathers money from many investors to invest in securities. Securities include stocks, money market instruments, bonds, and other assets. A mutual is the fund’s portfolio maintained to meet the investment goal. Mutual Funds are the easiest method to grow your wealth.

MF’s are registered with the Securities Exchange and Board of India (SEBI) and thus, your investment is safe.

Types of Mutual Funds

Equity funds

The investment in equity funds would make a profit when share prices increased and get at a loss when the share prices fall.

Fixed Income funds

This focuses on investments that pay fixed returns, like government bonds, corporate bonds, and much more debt investments.

Alternative funds

Alternative funds are a type of mutual fund that focuses on asset classes or strategies that are not part of stocks and bonds.

Multi-Assets Funds

A multi-asset class is also known as a multiple-asset class or multi-asset fund. It is a collection of asset classes such as equity which is used as an investment.

Debt Funds

Debt funds are also a type of mutual fund that invests in fixed income securities like bonds and treasury bills.

Hybrid funds

It is characterized by diversification among two or more asset classes. These funds invest in stocks and bonds.

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Why Mutual Funds?

Expert money management

Mutual fund companies have fund managers to choose the sectors, shares, and debt papers in which the investment would be invested. This decision is made by keeping the investors’ interests in mind.

Lock-in period

The Lock-in period is the duration in which investors cannot withdraw or sell their investment.

Low cost/cost-efficient

Mutual funds are a very affordable option that wishes to invest in small amounts.

Reduce Tax Liability

The benefit of mutual funds is you can save income tax. You can reduce your taxable income by Rs 1.5 lakh under the Income Tax Act – 1961.

Invest through SIP

If you don’t have enough funds to invest, then you must invest in a Systematic Investment Plan (SIP).

Flexibility to switch funds

A good investor knows when to switch funds to stay ahead of the market.

Investment based on goals

The investor invests in Mutual funds with a financial goal to achieve


Mutual funds invest in many asset classes and company shares to mitigate risk.

High Liquidity

Mutual Funds offer liquidity. Because you are allowed to redeem your investment at any time.

Flexible tenure

Mutual Fund comes with three years of the lock-in period. So it gives investors flexibility in their financial goals.

Tax efficiency

Investing in MF offers two benefits such as tax deductions and wealth accumulation.

Ease of trading

Buying, selling, and redeeming fund units at the current market price is quite simple.

Ease of tracking

MF provides investors regular statements to track the performance of the funds.

Investment Safety

Mutual Fund investment is 100% safe. So you can easily rely upon it.

When To Invest?

Factors to consider before investing:

  • You must have enough funds to invest.
  • Duration of Investment
  • Research about the Market condition
  • Expected return

Advantages of Investing in Mutual Funds

  • Professional Management of Money
  • Convenience
  • Economies of Scale
  • Tax- Saving
  • Pocket Friendly

Mutual Fund Eligibility

Anyone can invest in mutual funds. The smallest investment amount is Rs 500. Indians and NRIs can invest in mutual funds. You can also invest in the spouse’s name or child. Apart from this, partnerships, LLPs, Trusts, and Companies can also invest in mutual funds.

Frequently Asked Questions

As all the funds carry some level of risk so you may lose little or all of the money you invested because the securities held by a fund can go down in value. 

For evaluating your tax liability, listed stocks or equity mutual funds are considered long-term if the holding period is one year. if we talk about other investments, the limit is of three years.

yes, it is safe to invest in mutual funds. Investors should not be worried about little fluctuations in the returns while investing in them. 

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