MUTUAL FUND

What is Mutual Fund

Mutual fund investments are becoming popular with time since people realize that it is an excellent way of diversifying risk as well as portfolio. We at narayan securities have a wide range of investment schemes from top mutual fund houses.

Money from multiple investors is pooled and invested in marketable securities like debentures, bonds, equity shares etc. Each fund has a specific investment objective and a risk level attached to it, and accordingly the investments are classified into equity mutual fund, debt mutual fund, liquid mutual funds etc.

MUTUAL FUND TYPE

There are 7 most common types of mutual funds.

Narayan also provides recommendations based on in-depth research, mutual fund performance and mutual fund ratings to help meet your investment goals.

  • Money market funds : These funds invest in short-term fixed income securities such as government bonds, treasury bills, bankers’ acceptances, commercial paper and certificates of deposit. They are generally a safer investment, but with a lower potential return then other types of mutual funds.
  • Fixed income funds : These funds buy investments that pay a fixed rate of return like government bonds, investment-grade corporate bonds and high-yield corporate bonds. They aim to have money coming into the fund on a regular basis, mostly through interest that the fund earns
  • Equity funds : These funds invest in stocks. These funds aim to grow faster than money market or fixed income funds, so there is usually a higher risk that you could lose money. You can choose from different types of equity funds including those that specialize in growth stocks (which don’t usually pay dividends), income funds (which hold stocks that pay large dividends), value stocks, large-cap stocks, mid-cap stocks, small-cap stocks, or combinations of these.
  • Balanced funds : These funds invest in a mix of equities and fixed income securities. They try to balance the aim of achieving higher returns against the risk of losing money. Most of these funds follow a formula to split money among the different types of investments. They tend to have more risk than fixed income funds, but less risk than pure equity funds.
  • Index funds : These funds aim to track the performance of a specific index such as the S&P/TSX Composite Index. The value of the mutual fund will go up or down as the index goes up or down. Index funds typically have lower costs than actively managed mutual funds because the portfolio manager doesn’t have to do as much research or make as many investment decisions.
  • Speciality funds : These funds focus on specialized mandates such as real estate, commodities or socially responsible investing. For example, a socially responsible fund may invest in companies that support environmental stewardship, human rights and diversity, and may avoid companies involved in alcohol, tobacco, gambling, weapons and the military.
  • Fund of funds : These funds invest in other funds. Similar to balanced funds, they try to make asset allocation and diversification easier for the investor. The MER for fund-of-funds tend to be higher than stand-alone mutual funds.

Advantages of mutual funds:

  • Diversified Portfolio: Your investment is divided into 15-20 equity shares, this reduces your risk considerably since even if one or two of them were to not perform, the others could make up for it and cumulatively it would give you a high return.
  • SIP: You can invest small amounts of money every month or every three months to create wealth over a period of time. Lower risks since market volatility does not affect your SIP investment.
  • Tax benefits: The benefit of re-investing your proceeds from capital gains into mutual funds is given to you by section 88 for ELSS. This tax free status of mutual funds along with lower risks make them one of the most sought after investment products.
  • Re Investment of Dividents: Mutual funds provide you with an option to easily re invest your dividends.
  • Professional management: Mutual funds are managed by extremely skilled professionals backed by a team of researchers. A lot of thought goes into every investment decision. You would know that your money is in safe hands, so you could just sit back, and relax.

Easy to enter, and exit: All you need to do is fill up a form to enter or exit a mutual fund. No hassles.

CALCULATOR

Under Constrution

MUTUAL FUND DATA

Investing in a Mutual fund is an excellent way of diversifying risk as well as portfolio. Narayan presents its Mutual fund services that strive to meet all your mutual fund investment needs. We have a wide spectrum of investment schemes from all top mutual fund houses.

Narayan also provides recommendations based on in-depth research, mutual fund performance and mutual fund ratings to help meet your investment goals.

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