Table of Contents
- What are Low Risk Investment Funds?
- Best Low Risk Mutual Funds FY 21 - 22
- Frequently Asked Questions
- 1. How can I choose the best fund?
- 2. What is the appropriate investment type that has the lowest risk?
- 3. What is the use of a mutual fund calculator?
- 4. How much can I invest?
- 5. Is there a right time to invest?
- 6. Do I need a bank account to invest in mutual funds?
- 7. Is it necessary to contact a fund manager?
- 8. Can I withdraw my invested money?
- 9. Would I have to pay any penalty if I withdraw early?
Top 5 Debt - Ultrashort Bond Funds
Top 5 Best Low Risk Mutual Funds to Invest in 2021
Generally, a newbie to investment or a senior citizen who wants to secure their funds look for low-risk Mutual Funds. When an investor wants to invest in a low-risk mutual funds it's usually because he needs to secure his money or earn optimal returns in a short duration.
So, if you are one of those you can read more
What are Low Risk Investment Funds?
Many investors look forward to Investing in mutual funds as these offer higher returns and also are more tax efficient than other instruments like fixed deposits. But, when it comes to risk-averse investors, these are investors who are looking for secure returns and can’t tolerate risk in investments. Also, a risk-averse investor won’t prefer investing in equities, as they are highly risky funds.
Debt fund are suited for risk-averse or even a newbie investor who is willing to invest in Mutual Funds. As debt funds invest in government Bonds, Money market funds, etc., they are relatively safer. There are various types of debt funds like Liquid Funds, ultra-short term funds, short term funds, dynamic bonds, gilts funds, etc., that vary in risks. long term debt funds are risky funds, thus investors with a low-risk appetite should avoid investing in these funds.
Liquid funds and ultra-short term funds are the lowest risky funds that’s aims at generating optimal returns for a short duration. Thus a newbies investor who wants to earn good returns on their idle money within a shorter tenure can invest here.
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Best Low Risk Mutual Funds FY 21 - 22
Liquid Funds
Liquid funds invest in securities that have a low maturity period, usually less than 91 days. These funds provide easy liquidity and are least volatile than the other types of debt instruments. Also, liquids are a better option than traditional Bank Savings Account. In comparison to bank account, liquid funds provide 7-8% of annual interest. Investors who want risk-free investment can ideally prefer investing in these funds. Here are the top 5 Best Liquid Funds.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2020 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity JM Liquid Fund Growth ₹56.7609
↑ 0.00 ₹1,187 0.8 1.6 3.2 5 4 3.27% 24D 25D PGIM India Insta Cash Fund Growth ₹270.456
↑ 0.02 ₹827 0.8 1.6 3.2 5.1 4.2 3.33% 1M 10D 1M 13D Principal Cash Management Fund Growth ₹1,834.41
↑ 0.16 ₹173 0.8 1.6 3.1 4.7 3.8 3.21% 16D 16D Indiabulls Liquid Fund Growth ₹2,018.01
↑ 0.08 ₹152 0.7 1.5 3.1 4.9 3.9 0% Baroda Pioneer Liquid Fund Growth ₹2,388.29
↑ 0.21 ₹5,866 0.8 1.7 3.2 5.1 4.1 3.25% 18D 18D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Sep 21
Ultra Short Term Funds
These funds invest in a combination of debt instruments like treasury bills, commercial papers, certificate of deposits, and corporate bonds. The funds have a lower residual maturity, ranging from 6 months to 1 year. Ultra Short Term fund offer good returns with very less Market volatility. Newbie investors who are looking for better returns than Liquid Funds should prefer investing in these funds, as they provide better returns than liquid funds. Here are the top 5 best ultra-short term funds.
(Erstwhile Reliance Liquid Fund - Cash Plan) The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments. Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a Below is the key information for Nippon India Ultra Short Duration Fund Returns up to 1 year are on To provide a combination of regular income and high liquidity by investing primarily in a mix of short term debt and money market instruments. Franklin India Ultra Short Bond Fund - Super Institutional Plan is a Debt - Ultrashort Bond fund was launched on 18 Dec 07. It is a fund with Moderate risk and has given a Below is the key information for Franklin India Ultra Short Bond Fund - Super Institutional Plan Returns up to 1 year are on (Erstwhile UTI - Floating Rate Fund - Short Term Plan) To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns. UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a Below is the key information for UTI Ultra Short Term Fund Returns up to 1 year are on The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents. Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Regular Income Fund) The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Ultra Short Term Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2020 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹431.56
↓ -0.03 ₹18,973 1.1 2.3 4.4 7 7 4.06% 6M 6M 4D UTI Ultra Short Term Fund Growth ₹3,351.44
↓ -0.36 ₹2,180 2.1 2.9 5 4.8 5.3 3.81% 5M 13D 5M 19D Indiabulls Ultra Short Term Fund Growth ₹2,021.64
↑ 0.84 ₹18 0.8 1.5 4.2 6.2 3.23% 1D 1D BOI AXA Ultra Short Duration Fund Growth ₹2,560.18
↓ -0.57 ₹221 0.8 1.6 3.3 5.7 4.9 3.47% 4M 13D 4M 20D ICICI Prudential Ultra Short Term Fund Growth ₹22.0035
↓ 0.00 ₹10,652 1 2.2 4.5 6.8 6.5 4.29% 3M 18D 4M 24D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Sep 21 1. Nippon India Ultra Short Duration Fund
CAGR/Annualized return of 6.1% since its launch. Ranked 62 in Ultrashort Bond category. Return for 2020 was 4.9% , 2019 was 0.9% and 2018 was 7.3% . Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (24 Sep 21) ₹3,215.64 ↓ -0.16 (0.00 %) Net Assets (Cr) ₹3,116 on 31 Aug 21 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.09 Sharpe Ratio 1.96 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 4.5% Effective Maturity 6 Months 26 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 16 ₹10,000 31 Aug 17 ₹10,586 31 Aug 18 ₹11,278 31 Aug 19 ₹11,941 31 Aug 20 ₹11,991 31 Aug 21 ₹13,042 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Sep 21 Duration Returns 1 Month 0.3% 3 Month 3.4% 6 Month 5.8% 1 Year 8.6% 3 Year 4.9% 5 Year 5.4% 10 Year 15 Year Since launch 6.1% Historical performance (Yearly) on absolute basis
Year Returns 2020 4.9% 2019 0.9% 2018 7.3% 2017 5.8% 2016 6.8% 2015 7.6% 2014 8.4% 2013 8.5% 2012 9.2% 2011 9% Fund Manager information for Nippon India Ultra Short Duration Fund
Name Since Tenure Vivek Sharma 1 Oct 13 7.84 Yr. Kinjal Desai 25 May 18 3.19 Yr. Data below for Nippon India Ultra Short Duration Fund as on 31 Aug 21
Asset Allocation
Asset Class Value Cash 59.93% Debt 40.07% Debt Sector Allocation
Sector Value Cash Equivalent 58.26% Corporate 23.87% Government 17.87% Credit Quality
Rating Value A 0.69% AA 16.09% AAA 83.22% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 02122021
Sovereign Bonds | -7% ₹193 Cr 19,500,000 8.79% Govt Stock 2021
Sovereign Bonds | -3% ₹101 Cr 10,000,000 Telesonic Networks Limited
Debentures | -3% ₹75 Cr 750
↑ 750 8.35% Govt Stock 2022
Sovereign Bonds | -2% ₹72 Cr 7,000,000 8.75% Kerala SDL 2022
Sovereign Bonds | -2% ₹61 Cr 5,950,000 Shriram Transport Finance Company Limited
Debentures | -2% ₹56 Cr 550 Piramal Capital & Housing Finance Limited
Debentures | -2% ₹55 Cr 675 8.92% Karnataka SDL 2022
Sovereign Bonds | -2% ₹51 Cr 4,981,300 91 DTB 16092021
Sovereign Bonds | -2% ₹50 Cr 5,000,000 182 DTB 25112021
Sovereign Bonds | -2% ₹50 Cr 5,000,000 2. Franklin India Ultra Short Bond Fund - Super Institutional Plan
CAGR/Annualized return of 8.6% since its launch. Return for 2020 was 4% , 2019 was 9.6% and 2018 was 8.7% . Franklin India Ultra Short Bond Fund - Super Institutional Plan
Growth Launch Date 18 Dec 07 NAV (24 Sep 21) ₹31.2554 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹804 on 31 Aug 21 Category Debt - Ultrashort Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆ Risk Moderate Expense Ratio 0.52 Sharpe Ratio 3.13 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 0% Effective Maturity 1 Year 1 Month 2 Days Modified Duration Growth of 10,000 investment over the years.
Date Value 31 Aug 16 ₹10,000 31 Aug 17 ₹10,917 31 Aug 18 ₹11,745 31 Aug 19 ₹12,895 31 Aug 20 ₹13,484 31 Aug 21 ₹14,670
Purchase not allowed Returns for Franklin India Ultra Short Bond Fund - Super Institutional Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Sep 21 Duration Returns 1 Month 1.1% 3 Month 3% 6 Month 5.3% 1 Year 9.1% 3 Year 7.9% 5 Year 8% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 2020 4% 2019 9.6% 2018 8.7% 2017 8.2% 2016 9.7% 2015 9.7% 2014 10% 2013 10% 2012 10.3% 2011 9.4% Fund Manager information for Franklin India Ultra Short Bond Fund - Super Institutional Plan
Name Since Tenure Santosh Kamath 25 Oct 18 2.77 Yr. Pallab Roy 1 Jun 08 13.17 Yr. Data below for Franklin India Ultra Short Bond Fund - Super Institutional Plan as on 31 Aug 21
Asset Allocation
Asset Class Value Cash 34.82% Debt 65.18% Debt Sector Allocation
Sector Value Corporate 65.18% Cash Equivalent 34.82% Credit Quality
Rating Value A 58.93% AA 40.8% AAA 0.28% Top Securities Holdings / Portfolio
Name Holding Value Quantity SBI Overnight Fund Dir Gr
Investment Fund | -30% ₹367 Cr 1,083,233
↑ 343,828 Edelweiss Commodities Services Limited
Debentures | -26% ₹316 Cr 3,194
↓ -456 Clix Capital Services Private Limited
Debentures | -19% ₹225 Cr 2,350 Clix Capital Services Private Limited
Debentures | -16% ₹192 Cr 2,000 U.P. Power Corporation Limited
Debentures | -4% ₹47 Cr 938 JM Financial Credit Solutions Limited
Debentures | -0% ₹5 Cr 46 Edelweiss Agri Value Chain Limited
Debentures | -0% ₹4 Cr 70 Tata Motors Limited
Debentures | -0% ₹3 Cr 34 Reliance Ports and Terminals Limited
Debentures | -0% ₹2 Cr 22 Call, Cash & Other Assets
CBLO | -4% ₹49 Cr 3. UTI Ultra Short Term Fund
CAGR/Annualized return of 6.9% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2020 was 5.3% , 2019 was 3.3% and 2018 was 7% . UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (24 Sep 21) ₹3,351.44 ↓ -0.36 (-0.01 %) Net Assets (Cr) ₹2,180 on 31 Aug 21 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.96 Sharpe Ratio 1.2 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 2,500 Exit Load NIL Yield to Maturity 3.81% Effective Maturity 5 Months 19 Days Modified Duration 5 Months 13 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 16 ₹10,000 31 Aug 17 ₹10,759 31 Aug 18 ₹11,440 31 Aug 19 ₹11,784 31 Aug 20 ₹12,543 31 Aug 21 ₹13,023 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Sep 21 Duration Returns 1 Month 1.5% 3 Month 2.1% 6 Month 2.9% 1 Year 5% 3 Year 4.8% 5 Year 5.6% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2020 5.3% 2019 3.3% 2018 7% 2017 6.6% 2016 8.9% 2015 8.5% 2014 8.8% 2013 9.8% 2012 9% 2011 8.2% Fund Manager information for UTI Ultra Short Term Fund
Name Since Tenure Sudhir Agarwal 1 Jul 15 6.09 Yr. Ritesh Nambiar 1 Jul 15 6.09 Yr. Data below for UTI Ultra Short Term Fund as on 31 Aug 21
Asset Allocation
Asset Class Value Cash 55.55% Debt 44.45% Debt Sector Allocation
Sector Value Cash Equivalent 49.06% Corporate 28.82% Government 22.12% Credit Quality
Rating Value AA 14.41% AAA 85.59% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 23122021
Sovereign Bonds | -6% ₹128 Cr 1,300,000,000 8.20% Govt Stock 2022
Sovereign Bonds | -5% ₹114 Cr 1,115,000,000 182 DTB 12112021
Sovereign Bonds | -4% ₹99 Cr 1,000,000,000
↑ 1,000,000,000 182 DTB 16122021
Sovereign Bonds | -4% ₹99 Cr 1,000,000,000 Hindalco Industries Limited
Debentures | -3% ₹78 Cr 750 182 DTB 25112021
Sovereign Bonds | -3% ₹74 Cr 750,000,000 Reliance Industries Limited
Debentures | -2% ₹51 Cr 500 Housing Development Finance Corporation Limited
Debentures | -2% ₹50 Cr 500 Power Finance Corporation Limited
Debentures | -2% ₹50 Cr 500 91 DTB 26082021
Sovereign Bonds | -2% ₹50 Cr 500,000,000 4. Aditya Birla Sun Life Savings Fund
CAGR/Annualized return of 7.6% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2020 was 7% , 2019 was 8.5% and 2018 was 7.6% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (24 Sep 21) ₹431.56 ↓ -0.03 (-0.01 %) Net Assets (Cr) ₹18,973 on 31 Aug 21 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.47 Sharpe Ratio 2.43 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 4.06% Effective Maturity 6 Months 4 Days Modified Duration 6 Months Growth of 10,000 investment over the years.
Date Value 31 Aug 16 ₹10,000 31 Aug 17 ₹10,815 31 Aug 18 ₹11,518 31 Aug 19 ₹12,551 31 Aug 20 ₹13,513 31 Aug 21 ₹14,126 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Sep 21 Duration Returns 1 Month 0.3% 3 Month 1.1% 6 Month 2.3% 1 Year 4.4% 3 Year 7% 5 Year 7.1% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2020 7% 2019 8.5% 2018 7.6% 2017 7.2% 2016 9.2% 2015 8.9% 2014 9.7% 2013 9.5% 2012 9.7% 2011 9.2% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 11 Oct 14 6.81 Yr. Kaustubh Gupta 15 Jul 11 10.05 Yr. Monika Gandhi 22 Mar 21 0.36 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 Aug 21
Asset Allocation
Asset Class Value Cash 53.72% Debt 46.28% Debt Sector Allocation
Sector Value Cash Equivalent 43.56% Corporate 39.93% Government 16.51% Credit Quality
Rating Value AA 11.82% AAA 88.18% Top Securities Holdings / Portfolio
Name Holding Value Quantity 8.79% Govt Stock 2021
Sovereign Bonds | -11% ₹2,136 Cr 211,100,000 Reliance Industries Limited
Debentures | -4% ₹758 Cr 7,401 8.83% Govt Stock 2023
Sovereign Bonds | -3% ₹524 Cr 48,000,000 Citicorp Finance (India) Limited
Debentures | -3% ₹500 Cr 5,000 REC Limited
Debentures | -2% ₹414 Cr 4,050 Rural Electrification Corporation Limited
Debentures | -2% ₹318 Cr 3,150 Shriram Transport Finance Company Limited
Debentures | -1% ₹275 Cr 2,750 8.21% HR SDL Spl 2023
Domestic Bonds | -1% ₹244 Cr 23,000,000 Muthoot Finance Limited
Debentures | -1% ₹239 Cr 2,350 Rural Electrification Corporation Limited
Debentures | -1% ₹226 Cr 2,250 5. ICICI Prudential Ultra Short Term Fund
CAGR/Annualized return of 7.9% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2020 was 6.5% , 2019 was 8.4% and 2018 was 7.5% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (24 Sep 21) ₹22.0035 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹10,652 on 31 Aug 21 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.99 Sharpe Ratio 3.43 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Months (0.5%),1 Months and above(NIL) Yield to Maturity 4.29% Effective Maturity 4 Months 24 Days Modified Duration 3 Months 18 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 16 ₹10,000 31 Aug 17 ₹10,840 31 Aug 18 ₹11,526 31 Aug 19 ₹12,511 31 Aug 20 ₹13,444 31 Aug 21 ₹14,060 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Sep 21 Duration Returns 1 Month 0.3% 3 Month 1% 6 Month 2.2% 1 Year 4.5% 3 Year 6.8% 5 Year 7% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2020 6.5% 2019 8.4% 2018 7.5% 2017 6.9% 2016 9.8% 2015 9.1% 2014 14.8% 2013 3.1% 2012 9.4% 2011 Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Manish Banthia 15 Nov 16 4.71 Yr. Ritesh Lunawat 15 Jun 17 4.13 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 31 Aug 21
Asset Allocation
Asset Class Value Cash 47.61% Debt 52.39% Debt Sector Allocation
Sector Value Corporate 44.64% Cash Equivalent 42.25% Government 12.85% Securitized 0.26% Credit Quality
Rating Value A 2.29% AA 29.19% AAA 68.52% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 19082021
Sovereign Bonds | -6% ₹625 Cr 62,500,000 182 DTB 09122021
Sovereign Bonds | -5% ₹495 Cr 50,000,000 182 DTB 16122021
Sovereign Bonds | -5% ₹494 Cr 50,000,000 Embassy Office Parks Reit
Debentures | -3% ₹359 Cr 2,887 182 DTB 23122021
Sovereign Bonds | -3% ₹296 Cr 30,000,000 Housing Development Finance Corporation Limited
Debentures | -2% ₹258 Cr 2,560 The Tata Power Company Limited
Debentures | -2% ₹220 Cr 2,084 Housing Development Finance Corporation Limited
Debentures | -2% ₹215 Cr 2,130 Reliance Ports and Terminals Limited
Debentures | -2% ₹202 Cr 2,019 Manappuram Finance Limited
Debentures | -2% ₹201 Cr 2,000
Frequently Asked Questions
1. How can I choose the best fund?
A. The investment choice is based upon a variety of factors, like the fund managers, historical returns, fees and loads, investment style, investment objective, investment horizon and more. Thus, to pick the best fund, make sure you analyze every important Factor cautiously before moving ahead.
2. What is the appropriate investment type that has the lowest risk?
A. Because of the unpredictable situation of the Economy and the availability of varying investment options, it is quite difficult to evaluate a safe option. However, some of the options that you can consider include bank fixed deposits, municipal bonds, certificate of deposits, and more.
3. What is the use of a mutual fund calculator?
A. The mutual fund calculator offers an investment value at maturity by evaluating the returns according to the investment horizon. You can set different variables of the calculator, like duration, anticipated return rate, frequency, investment amount and more to figure out your benefits.
4. How much can I invest?
A. The amount mainly depends upon your requirements, budget and objectives of the investment. However, keep in mind that you only invest the surplus money, irrespective of the amount.
5. Is there a right time to invest?
A. There is no right time to invest. For better and best returns, it is recommended that you should start investing right away.
6. Do I need a bank account to invest in mutual funds?
A. Yes, it is necessary to have a bank account with KYC/cKYC, aadhaar card and PAN card to invest in mutual funds.
7. Is it necessary to contact a fund manager?
A. Yes! When investing in mutual funds, experience plays a major role so as to generate good performance. The more the experience, the better will be the possibility of gaining the best returns. Thus, make sure that you get in touch with an experienced fund manager.
8. Can I withdraw my invested money?
A. Most of the schemes in a mutual fund are open-end schemes. This allows you to withdraw the entire invested amount at any point in time. However, there could be a few situations where you may experience restrictions.
9. Would I have to pay any penalty if I withdraw early?
A. If you have invested in open-end schemes, you may not have to pay the penalty. However, some schemes might not be as liquid as the others. So, you will have to re-check this factor before investing.
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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Very Good
good information on funds. appreciated!!!