Mutual Funds are a form of budget in which the investors park their surplus cash through SIP or Lumpsum mode of funding with an purpose to reap high returns at the invested quantity. Through mutual fund funding, an investor enjoys the energy of compounding within the long time. Invest through SIP in Best Mutual Funds investment plans Online in 2019 in India. MF Planner offers the handiest way of investments in mutual funds with the exceptional MF recommendations with the aid of the professional. Explore Mutual finances sorts, quality mf schemes, pros, cons of mutual fund investments.
The mutual funds scheme that will be best-suited to one depends entirely on the aims and needs. They have performed well in the past and possess a beneficial prospect due to many reasons. No schemes in Mutual Funds can be termed as the best as there are thousands of schemes available. The experts at MF Planner have chosen investment in top mutual Fund schemes which can suit the majority of investors according to the latest market trends and are selected after comprehensive research on several parameters.
|Fund Name||Latest NAV||Rating||Return (%)||Double Money In||1 Lac Grew To (₹)|
| Aditya Birla Sun Life Corporate Bond Fund (G)
MODERATE RISK|CORPORATE BOND
|83.06||7.83||8Y 8M||1.33 L|
|Franklin India Liquid Fund - Super Institute Plan
|3009.23||6.97||9Y 11M||1.24 L|
| Nippon India Liquid Fund(G)
|4889.16||6.84||9Y 12M||1.24 L|
| Axis Bluechip Fund (G)
MODERATE RISK | LARGE CAP
|29.19||5.23||15Y 10M||1.39 L|
| Axis Mid Cap Fund (G)
MODERATE RISK | MID CAP
|38.05||4.4||15Y 7M||1.36 L|
|SBI Magnum Childrens Benefit Fund (G)
MODERATE RISK | CHILDRENS FUND
|57.23||3.28||9Y 11M||1.22 L|
|Axis Long Term Equity Fund (G)
AVERAGE RISK | ELSS
|43.64||1.4||24Y 4M||1.26 L|
|SBI Equity Hybrid Fund (G)
MODERATE LOW RISK | AGGRESSIVE HYBRID
|134.48||1.39||20Y 2M||1.23 L|
|Aditya Birla Sun Life Money Manager Fund (G)
MODERATE RISK | MONEY MARKET
|276.9||0.34||21Y 8M||1.04 L|
|SBI Small Cap Fund (G)
MODERATE RISK | SMALL CAP
|50.03||-0.84||10Y 10M||1.21 L|
Any particular mutual fund can be safe or unsafe for different investors. Mutual funds are subject to the market risk but can be the safest mode of investment if the investor makes informed decisions. Equity schemes possess higher risk but can provide high returns in the long term while debt schemes have a lesser risk and pay out lesser returns than the equity schemes.
Mutual funds provide a number of schemes suiting the goals and objective of investors from every category. To choose the right fund for yourself, you can either research for yourself or take the assistance of a financial expert.
The fund manager is the person in charge of the investments in a mutual fund scheme. He/She is responsible for investing the corpus of a fund into various instruments to fulfill the goal of the investor. A fund manager handles the portfolio of the fund.
If the investment in mutual fund is done through SIP, timing the market is not important as the amount is invested at regular intervals at different NAV. For lumpsum or one-time investment, timing is important because if NAV is low, more number of units can be bought.
If purchasing or selling is done on a working day before 3 PM through online banking, it will be executed on the same day. For those investing through debit/credit card, order done before 1 PM would execute the same day. Any order done after that will be executed on the next working day on the basis of the NAV of that day.
In India, mutual funds are regulated by the Securities and Exchange Board of India (SEBI). It firstly formulated regulations on mutual fund companies in 1996.
It is the price per unit of a fund at which you will buy or sell a mutual fund unit. The NAV of a mutual fund is updated in the evening before 9 PM of every working day.
Mutual funds trade only once per day as the NAV of mutual funds changes only once in a day. If you buy and sell units of one particular mutual fund on the same day, then the sell order will be executed on the next working day according to the NAV of the next working day.
The investor needs to complete his/her profile by providing required personal details on the website of the provider.
KYC form along with valid ID & address proofs need to be sent physically to the address of MF Planner.
Select the plan, amount, and other details and start investing right away after depositing the amount online.
KYC form needs to submitted along with a valid proof of ID & Address to the distributor, MF branches, Authorised banks, or dealer's office which can also provide the KYC form to be filled by the investor.
Based on the goals, needs, tenure, risk, and investment horizon the investor needs to select the best performing mutual fund scheme for investment.
If the KYC form is approved, which generally takes 5-7 working days, the investor has to fill the application of the AMC along with a cheque of the amount that needs to be invested. In the case of SIP, the SIP mandate form also needs to be filled and attached for effortless investment directly from the concerned bank account in the future.
As we can infer from these steps, the online procedure is much more comfortable and burden free. The investment can be made within a few clicks while sitting comfortably on your couch.
|Particulars||Direct Plan||Regular Plan|
|Assistance / Recommendations||No||At every point you are are assisted by an Advisor.|
|Market analysis Reqiured||Yes||No|
|Research on Funds Required||Deep analysis required as you may miss Buy & Sell Opportunity||Not required as adviser will assist you|
Apart from all the goals mentioned above, there are multiple objectives which can be achieved with the help of MF. It is the best savings channel which can decorate the monthly income by adding handful returns. Efficient savings can be done for marriage, education, buying assets and properties, traveling and many more reasons.
There are many more benefits of mutual funds investments which are easy to grab by anyone. Millions of successful investors have already adapted this lucrative platform and seized multiple benefits, and the numbers are increasing like a wildfire.
An investor can choose a better mutual fund scheme for oneself if he/she can read various parameters of the schemes. New investors should always take the assistance of the experts until they get familiar with these features and aspects. There are various other criteria to choose the mutual fund scheme, including:
Returns: The parameter which is mostly focused by the laymen investor is the returns in the past which admittedly is one of the most important factors but analysing the performance of trailing and rolling returns under the different market conditions can provide a better idea of the prospect.
Fund Management: It is very essential to have an idea of the skill-set of management staff before placing a bet on the mutual fund as the experience and strategies followed by the manager can immensely affect the outcomes.
Risk/Reward Ratio: The risk suitability is one of the most critical factors to be checked before choosing the right mutual fund. The standard deviation represents volatility of the scheme directly while the beta can give the ratio of risk taken by the fund to that of the benchmark. The returns generated by the mf schemes at the cost of risk influenced can be considered through parameters like Sharpe and Sortino ratios.
Investment Strategy: The risk suitability is one of the most critical factors to be checked before choosing the right mutual fund. The standard deviation represents volatility of the scheme directly while the beta can give the ratio of risk taken by the fund to that of the benchmark. The returns generated by the mf schemes at the cost of risk influenced can be considered through parameters like Sharpe and Sortino ratios.
The awareness campaign which is getting popularized in the recent months by the name 'Mutual Fund Sahi Hai' by Association of Mutual Funds of India (AMFI) has successfully created awareness of the most beneficial investment medium due to which the number of investors has dramatically increased in India. Mutual Funds own a total corpus of more than Rs 23,30,000 crore under management, and the figure is snowballing along with its popularity. MF is not only a platform to invest in a most convenient manner but also an opportunity to grab the most beneficial returns by a laymen. It allows an investor to take advantage of the professionally managed investments without the fundamental knowledge or financial background. It can secure your financial future in a disciplined manner without incurring financial imbalances. It is an advanced strategy which has revolutionized the savings and investment strategy which in turn is assisting the economic growth of the country.
Each mutual funds investment allots specific units to the investor, which represent holdings in a particular fund. The price of the unit depends upon the 'Net Asset Value' or NAV. The profits generated through investments is dispersed proportionally to every unit of the mutual fund. The gain or loss of the investment in mutual funds depends entirely on the rise and fall of the NAV. Let's take an example of a mutual fund, say X fund whose NAV is Rs 10. An investor buys 100 units of that fund which will cost him Rs 1000. Now, if the NAV of X fund becomes 12 after a year, his investment will be worth of Rs 1200 with a gain of 20%. After knowing the working procedure of the mutual funds investments, you might be wondering how the NAV grows? The answer is simple to understand. The corpus of mutual funds is invested in multiple securities, and the average of fluctuations in all the investments is taken out. If the average is positive, then the NAV will grow, and if the average is negative, it will fall, and the fund will provide loss.
Online Mutual funds investment in India provide an opportunity to every resident and non-resident Indian to invest. Though there are some restrictions on investing for the NRIs belonging to the USA and Canada by some of the asset management companies, for the residents, the only things required for investment are PAN card and a linked AADHAR card of an adult.
The minor cannot invest on their own, but on their behalf, an adult guardian can use the details of the minor to invest.
Investments in mf can be made through two different modes:-
In a systematic investment plan, which is also known as SIP in mf, a small amount is invested in the selected mutual fund periodically for the selected tenure. The periodicity of the investment in MF can be monthly, quarterly, half-yearly, or yearly. The amount so invested allots specific units to the investor's portfolio according to the NAV of the fund at the time of each investment. SIP mode of investment in mutual funds allows the investors to reduce the risk factor as the total amount invested is added to different prices and the average of all the price is taken out which is generally positive in the longer tenure. This phenomenon is called as rupee cost averaging. The investment through SIP is continuously compounded after every investment which increases the value of the invested amount through the power of compounding.
It is a one-time investment in mutual funds in which the units are allotted to the investors depending on the NAV of the fund at the time of entire investment. Lumpsum speculation incurs the market risk and is generally avoided in high-risk funds. The features like rupee cost averaging, and power of compounding are not available in this mode, but it can reward with greater returns if the investment is made at the right time in the particular MF.
It can be inferred from the above-comparison that investments in mutual funds provide better returns at the expense of moderate risk and have several other advantages, which are the reasons why it is one of the most appreciated and beneficial investment methods out of all the available options in India.
Several other features of our website and app have successfully fulfilled the goals and desires of the thousands of investors making MF Planner one of the fastest growing online platforms to provide mutual funds.
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