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Mutual Funds

As a famous Latin proverb goes, “Do not commit all to one boat”, this quote holds especially true to investments. Investing all your money into one single stock, bond or other securities can be very risky, this is why at Value Money, we offer variety of investment options to choose from.

Mutual funds are collective investment schemes in which money is pooled from different investors to invest in stocks, bonds and other securities. Value Money helps small investors to invest in professionally managed and diversified portfolios of shares, bonds and other securities which are regulated by an asset management company.

Features & Benefits

Below are some of the features & benefits of Mutual Funds

  • Diversified portfolio

    Under Mutual funds, your money is invested in around 50 to 60 different investments thereby reducing the risk of potential loss
  • Fund Manager

    Mutual funds are managed by professional fund managers who will research and invest in the best investment option for highest returns
  • Inexpensive

    Investing in mutual funds are less expensive than directly investing in company’s stocks with SIP’s that require investment as low as Rs.500
  • Liquidity

    Investors can redeem their investment any time at the Net Asset Value prevailing at that time after paying redemption fees, if applicable
  • Rupee cost averaging

    Mutual funds buy more units when the price is low and lesser units when the price is high, thereby lowering average cost per unit
  • Transparency

    Mutual funds investors receive timely updates and disclosures regarding investment strategy, amount invested in different securities, etc
Types of Mutual Fund

On the basis of structure

  • Open Ended Scheme

    These funds do not have any fixed maturity. Investors can buy or sell units at NAV related prices, throughout the year. These funds offer liquidity which is why they are preferred
  • Close Ended Scheme

    Close ended schemes come with a fixed maturity period. Investors can invest in these funds only during the initial issue. The funds are listed on stock exchange after the initial issue
  • On the basis of asset invested

  • Equity Funds

    These funds invest only in equity shares or stocks hence are called equity funds. These funds are high risk funds with potential to give you high returns
  • Debt Funds

    These are low risk-low return investment funds that invest in government funds, debentures and other fixed income assets
  • Balanced Funds

    Funds are invested in both debt and equities at a proportion mentioned in the offer document. This type of fund is suitable to investors ready to take moderate risk
  • Index Funds

    Funds are invested in benchmark indices such as Sensex, Nifty, etc. and the value of funds changes with the fluctuations in these indices

On the basis of investment objective

  • Tax-Saving Funds

    Funds are invested in equities and offers tax benefits to the investors.
  • Money Market Schemes

    Surplus funds are invested in liquid instruments with quick but reasonable returns
  • SIPs

    Small amount is invested every month for growth in the long-term with high returns
  • Sector Funds

    Funds are invested in one particular sector, for e.g. Oil and Gas or Banking with high risk-return opportunity
Selecting Mutual Funds

The main parameters to be considered before deciding to invest in Mutual Funds are

  • Ranking

    Apart from the long term and short term performance of Mutual fund, its ranking among peer group on quarterly basis has to be looked at
  • Ratio Analysis

    Standard deviation, Sharpe ratio, Expense ratio, etc are some of the important ratios to measure the Mutual funds risk
  • Risk appetite

    You can choose the best suited investment option depending on whether you are a low risk taker, moderately aggressive investor or aggressive investor
  • Investment objective

    Depending on your short-term, medium-term or long-term investment objectives, you can select the mutual fund accordingly
  • Exit load

    Understand the charges you may have to incur if you withdraw your investment before the stipulated time
Investing in Mutual Funds

Mutual fund investment has to be a considerate decision taken after careful understanding of your investment objectives and expenses associated with it. Let’s take a look at how to make a Mutual Fund investment.

  • To invest, you need a PAN card, bank account and be KYC compliant
  • Mutual fund application form has to be filled specifying SIP frequency, monthly instalment amount and the date to debit SIP amount
  • If you are investing for a minor, a third-party declaration form needs to be filled
  • Select one of the 3 options to receive dividend; Growth option, Dividend payout option and Dividend re-investment option
  • You can invest in mutual funds through direct plan, intermediaries, independent financial advisors, mutual fund house, online portals, bank and demat/trading account
  • You can choose to pay for your SIPs via EFT, ECS, NEFT, RTGS or IMPS
  • Get Instant Customised Quotes
  • One Stop Solution for Different Products
  • Single Platform for Multiple Providers
  • Saves Time on Your Research
  • Easy, Quick and Hassle Free

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