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Research shows that Equities have given the best returns amongst all the asset classes in the long run. No other asset class has been able to beat Equity in terms of returns and liquidity. However, most investors don't have the time and capability to conduct their own research and select companies to invest in. Mutual Funds are the perfect investment avenue for such investors.

Mutual Funds are funds which are manged by professionally qualified fund managers who have the required expertise to invest in stock markets. Besides, investing in mutual funds has other benefits as well like easy liquidity, transparency, convenience, tax benefit, benefit of compounding, etc.

Mutual Funds, depending on where they invest can be classified into:

Equity Funds
As the name suggests, these funds invest predominantly in equities with a very little portion in cash. The aim is to provide long term capital appreciation. Depending on their investment themes, equity funds can be classified into Diversified Funds, Value Funds, Large Cap Funds, Midcap Funds, Small Cap Funds, Sector Funds, etc.

Debt / Income Funds
Debt funds invest in bonds, corporate debentures, gilts, and money market instruments. The aim is to provide steady source of income to the investor. There are specific plans, called Monthly Income Plans, which provide a steady monthly income as well as appreciation of invested capital.

Balanced Funds
These funds invest in both equity and debt to provide capital appreciation as well as steady income.

Money Market Funds
These funds invest in cash assets like treasury bills, short term commercial paper, certificates of deposits, etc. The aim is to preserve capital while providing liquidity and a return better than bank account interest.

You can make a one time investment in a mutual fund (minimum application amount is Rs. 5000/-) or go for a Systematic Iinvestment Plan (SIP). SIP is an investment technique that allows you to invest a fixed sum of money (as low as Rs. 100/-) per month in Mutual Fund scheme of your choice. It lets you invest on a pre-determined basis with lots of flexibility and convenience. This gives you the advantage of two powerful investment strategies - Compounding and Rupee Cost Averaging.

We do our own primary research on the performance of mutual fund schemes operating in India and help you select the top performers who have been performing consistently for a long period of time.

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