Growth-focused equity, stable debt, or balanced hybrids.
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A mutual fund is a financial vehicle where money from multiple investors is pooled together and managed by an expert fund manager to invest in a diversified portfolio of stocks, bonds, or other securities.
When you invest in a mutual fund, you buy units representing your share of the fund. The fund manager allocates the pooled money into various investments, and the returns are distributed based on the fund's performance.
Diversification: Reduces risk by spreading investments across various asset types.
Professional Management: Experts manage your investments.
Flexible Investment Options: Choose funds based on your financial goals and risk appetite.
Affordability: Start with as little as ₹500.
Equity Funds: For long-term growth by investing in stocks.
Debt Funds: For stability with investments in bonds or fixed-income securities.
Hybrid Funds: A mix of equity and debt for balanced growth and stability.
Tax-Saving Funds (ELSS): Save taxes under Section 80C while growing wealth.
ELSS (Equity Linked Savings Scheme) is a type of mutual fund that invests primarily in equities. It offers tax benefits under Section 80C of the Income Tax Act, allowing deductions of up to ₹1.5 lakh per financial year. It also has a lock-in period of 3 years.
You can start your mutual fund journey with as little as ₹500. It’s affordable and flexible, making it easy for beginners to start.
All investments carry some level of risk. However, mutual funds are available in various types (equity, debt, hybrid) to suit different risk appetites. Diversification and professional management reduce overall risk.
SIP (Systematic Investment Plan): Invest a fixed amount regularly, like monthly or quarterly, which is ideal for disciplined investing.
Lump Sum: Invest a large amount at once, suitable for those with a ready pool of money.
Yes, except for tax-saving funds (ELSS) which have a lock-in period of 3 years. Other mutual funds can be redeemed as per their terms, though exit loads or charges may apply.
Taxation on mutual funds depends on the type of fund and the holding period:
Equity Funds: Gains held for more than a year are taxed at 12.5% if gains exceed ₹1.25 lakhs. Short-term gains (less than one year) are taxed at 20%.
Debt Funds: Gains are taxed based on your income tax slab.
Let's chat, choose a mutual fund based on your goals, and begin investing. Our experts are here to guide you every step of the way!
Subah ho gai mamu! Paise ko savings mein sone mat do, use mutual funds mein dalo aur kaam par lagao! Ek chhoti si SIP aapke bade sapno ki taraf pehla kadam ho sakti hai!