Table of Contents
- What are Low Risk Investment Funds?
- Best Low Risk Mutual Funds FY 19 - 20
Top 5 Debt - Ultrashort Bond Funds
Top 5 Best Low Risk Mutual Funds to Invest in 2019
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 19 - 20
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 (%) 2018 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity DHFL Pramerica Insta Cash Fund Growth ₹245.974
↑ 0.03 ₹891 1.9 3.7 7.6 7.2 7.4 7.13% 1M 13D 1M 13D JM Liquid Fund Growth ₹51.7751
↑ 0.01 ₹2,351 1.9 3.7 7.5 7.2 7.4 7.25% 1M 28D 1M 28D Indiabulls Liquid Fund Growth ₹1,843.95
↑ 0.32 ₹4,735 1.8 3.6 7.4 7.1 7.3 0% Principal Cash Management Fund Growth ₹1,679.59
↑ 0.54 ₹246 1.7 3.4 -2 3.9 -1.8 6.89% 21D 22D Reliance Liquid Fund Growth ₹4,613.53
↑ 0.75 ₹34,422 1.9 3.7 7.6 7.1 7.4 0% Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Jun 19
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.
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 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 To provide liquidity with returns commensurate with low risk through a portfolio of money market and debt securities. However, there can be no assurance that the investment objective of the scheme will be achieved. Indiabulls Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 6 Jan 12. It is a fund with Moderately Low risk and has given a Below is the key information for Indiabulls Ultra Short Term Fund Returns up to 1 year are on (Erstwhile SBI Magnum InstaCash Fund) To provide the investors an opportunity to earn returns through investment in
debt & money market securities, while having the benefit of a very high degree of liquidity. SBI Magnum Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 21 May 99. It is a fund with Low risk and has given a Below is the key information for SBI Magnum Ultra Short Duration Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2018 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹26.8006
↓ 0.00 ₹18,337 2.3 4.8 9.7 8.9 8.7 0% 6M 18D Aditya Birla Sun Life Savings Fund Growth ₹375.912
↑ 0.05 ₹15,387 2.2 4.4 8.6 7.9 7.6 8.44% 5M 26D 6M 18D BOI AXA Ultra Short Duration Fund Growth ₹2,300.14
↑ 0.35 ₹298 2 3.9 7.9 8.1 7.6 8.09% 4M 20D 5M 6D Indiabulls Ultra Short Term Fund Growth ₹1,843.96
↑ 0.11 ₹491 2.1 4.2 7.9 7.6 7.1 0% UTI Ultra Short Term Fund Growth ₹2,965.66
↑ 0.42 ₹5,226 -1.8 0 3.6 6 7 9.35% 3M 19D 4M 24D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Jun 19 1. Franklin India Ultra Short Bond Fund - Super Institutional Plan
CAGR/Annualized return of 8.9% since its launch. Return for 2018 was 8.7% , 2017 was 8.2% and 2016 was 9.7% . Franklin India Ultra Short Bond Fund - Super Institutional Plan
Growth Launch Date 18 Dec 07 NAV (21 Jun 19) ₹26.8006 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹18,337 on 30 Apr 19 Category Debt - Ultrashort Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 0.37 Sharpe Ratio 9.05 Information Ratio 3.51 Alpha Ratio -1.24 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 0% Effective Maturity 6 Months 18 Days Modified Duration Growth of 10,000 investment over the years.
Date Value 31 May 14 ₹10,000 31 May 15 ₹10,974 31 May 16 ₹12,033 31 May 17 ₹13,162 31 May 18 ₹14,170 31 May 19 ₹15,555 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 21 Jun 19 Duration Returns 1 Month 0.8% 3 Month 2.3% 6 Month 4.8% 1 Year 9.7% 3 Year 8.9% 5 Year 9.2% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2018 8.7% 2017 8.2% 2016 9.7% 2015 9.7% 2014 10% 2013 10% 2012 10.3% 2011 9.4% 2010 5.9% 2009 6.1% Fund Manager information for Franklin India Ultra Short Bond Fund - Super Institutional Plan
Name Since Tenure Santosh Kamath 25 Oct 18 0.43 Yr. Pallab Roy 1 Jun 08 10.84 Yr. Data below for Franklin India Ultra Short Bond Fund - Super Institutional Plan as on 30 Apr 19
Asset Allocation
Asset Class Value Cash 19.13% Debt 77.51% Other 3.35% Debt Sector Allocation
Sector Value Corporate 78.3% Cash Equivalent 16.47% Government 1.87% Credit Quality
Rating Value A 34.68% AA 41.74% AAA 23.58% Top Securities Holdings / Portfolio
Name Holding Value Quantity Vodafone Mobile Services Limited
Debentures | -4% ₹768 Cr 7,990 Renew Power Ventures Private Limited
Debentures | -4% ₹673 Cr 6,740 Call, Cash & Other Assets
Receivables | -3% ₹615 Cr ONGC Petro Additions Limited
Debentures | -3% ₹500 Cr 500 Indostar Capital Finance Limited
Debentures | -2% ₹441 Cr 4,400 INDOSTAR CAPITAL FINANCE LIMITED
Debentures | -2% ₹391 Cr 3,900
↑ 3,900 EDELWEISS COMMODITIES SERVICES LIMITED
Debentures | -2% ₹375 Cr 7,500 EDELWEISS COMMODITIES SERVICES LIMITED
Debentures | -2% ₹365 Cr 3,650 Yes Capital (India) Private Limited
Debentures | -2% ₹352 Cr 3,037 Piramal Realty Private Limited
Debentures | -2% ₹351 Cr 3,500 2. Aditya Birla Sun Life Savings Fund
CAGR/Annualized return of 7.8% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2018 was 7.6% , 2017 was 7.2% and 2016 was 9.2% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (21 Jun 19) ₹375.912 ↑ 0.05 (0.01 %) Net Assets (Cr) ₹15,387 on 30 Apr 19 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.35 Sharpe Ratio 9.37 Information Ratio 0.61 Alpha Ratio 3.2 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 8.44% Effective Maturity 6 Months 18 Days Modified Duration 5 Months 26 Days Growth of 10,000 investment over the years.
Date Value 31 May 14 ₹10,000 31 May 15 ₹10,922 31 May 16 ₹11,908 31 May 17 ₹12,918 31 May 18 ₹13,782 31 May 19 ₹14,986 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jun 19 Duration Returns 1 Month 0.7% 3 Month 2.2% 6 Month 4.4% 1 Year 8.6% 3 Year 7.9% 5 Year 8.4% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2018 7.6% 2017 7.2% 2016 9.2% 2015 8.9% 2014 9.7% 2013 9.5% 2012 9.7% 2011 9.2% 2010 5.8% 2009 5.8% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 11 Oct 14 4.31 Yr. Kaustubh Gupta 15 Jul 11 7.55 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 30 Apr 19
Asset Allocation
Asset Class Value Cash 40.33% Debt 59.67% Debt Sector Allocation
Sector Value Corporate 42.42% Cash Equivalent 40.17% Government 13.09% Securitized 4.33% Credit Quality
Rating Value A 5.5% AA 16.64% AAA 77.86% Top Securities Holdings / Portfolio
Name Holding Value Quantity Vodafone Mobile Services Limited
Debentures | -5% ₹800 Cr 8,050 Net Receivables / (Payables)
Net Current Assets | -3% ₹461 Cr ONGC Petro Additions Limited
Debentures | -3% ₹460 Cr 460 PNB Housing Finance Limited
Debentures | -3% ₹397 Cr 4,000 PIRAMAL CAPITAL & HOUSING FINANCE LIMITED
Commercial Paper | -2% ₹374 Cr 7,500 NRSS XXIX TRANSMISSION LIMITED
Debentures | -2% ₹351 Cr 3,500 Shriram Transport Finance Company Limited
Debentures | -2% ₹349 Cr 3,500 IndusInd Bank Limited
Certificate of Deposit | -2% ₹336 Cr 35,000 Reliance Industries Limited
Debentures | -2% ₹310 Cr 3,150 AXIS BANK LIMITED
Certificate of Deposit | -2% ₹305 Cr 32,500 3. ICICI Prudential Ultra Short Term Fund
CAGR/Annualized return of 8.4% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2018 was 7.5% , 2017 was 6.9% and 2016 was 9.8% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (21 Jun 19) ₹19.2141 ↑ 0.00 (0.02 %) Net Assets (Cr) ₹4,597 on 30 Apr 19 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.56 Sharpe Ratio 8.28 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 8.84% Effective Maturity 6 Months 18 Days Modified Duration 4 Months 17 Days Growth of 10,000 investment over the years.
Date Value 31 May 14 ₹10,000 31 May 15 ₹11,265 31 May 16 ₹12,294 31 May 17 ₹13,409 31 May 18 ₹14,289 31 May 19 ₹15,477 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jun 19 Duration Returns 1 Month 0.7% 3 Month 2.1% 6 Month 4.2% 1 Year 8.3% 3 Year 8% 5 Year 9% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2018 7.5% 2017 6.9% 2016 9.8% 2015 9.1% 2014 14.8% 2013 3.1% 2012 9.4% 2011 2010 2009 Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Manish Banthia 15 Nov 16 2.37 Yr. Ritesh Lunawat 15 Jun 17 1.79 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 30 Apr 19
Asset Allocation
Asset Class Value Cash 40.59% Debt 59.41% Debt Sector Allocation
Sector Value Corporate 55.6% Cash Equivalent 36.86% Government 7.54% Credit Quality
Rating Value A 6.55% AA 57.45% AAA 36% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Current Assets
Net Current Assets | -8% ₹358 Cr National Bank For Agriculture And Rural Development
Debentures | -6% ₹266 Cr 2,650
↑ 1,650 Writers And Publishers Private Limited
Debentures | -4% ₹196 Cr 1,950 JSW Steel Limited
Debentures | -3% ₹161 Cr 1,595 Ashoka Buildcon Ltd.
Debentures | -3% ₹151 Cr 1,500 Bahadur Chand Investments Private Limited
Debentures | -3% ₹151 Cr 1,500 Aspire Home Finance Corporation Limited
Debentures | -3% ₹150 Cr 1,500 Tata Realty And Infrastructure Limited
Debentures | -3% ₹150 Cr 1,500 Manappuram Finance Limited
Debentures | -3% ₹148 Cr 1,481 NIRCHEM Cement Limited
Debentures | -3% ₹147 Cr 1,465 4. Indiabulls Ultra Short Term Fund
CAGR/Annualized return of 8.6% since its launch. Ranked 17 in Ultrashort Bond category. Return for 2018 was 7.1% , 2017 was 6.9% and 2016 was 8.8% . Indiabulls Ultra Short Term Fund
Growth Launch Date 6 Jan 12 NAV (21 Jun 19) ₹1,843.96 ↑ 0.11 (0.01 %) Net Assets (Cr) ₹491 on 30 Apr 19 Category Debt - Ultrashort Bond AMC Indiabulls Asset Management Company Ltd. Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.71 Sharpe Ratio 8.21 Information Ratio 0.96 Alpha Ratio -0.74 Min Investment 500 Min SIP Investment 500 Exit Load NIL Yield to Maturity 0% Effective Maturity Modified Duration Growth of 10,000 investment over the years.
Date Value 31 May 14 ₹10,000 31 May 15 ₹10,927 31 May 16 ₹11,861 31 May 17 ₹12,845 31 May 18 ₹13,697 31 May 19 ₹14,787 Returns for Indiabulls Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jun 19 Duration Returns 1 Month 0.7% 3 Month 2.1% 6 Month 4.2% 1 Year 7.9% 3 Year 7.6% 5 Year 8.1% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 2018 7.1% 2017 6.9% 2016 8.8% 2015 8.8% 2014 9.3% 2013 8.8% 2012 2011 2010 2009 Fund Manager information for Indiabulls Ultra Short Term Fund
Name Since Tenure Malay Shah 22 Aug 14 4.52 Yr. Sourabh Sharma 17 Jan 19 0.12 Yr. Data below for Indiabulls Ultra Short Term Fund as on 30 Apr 19
Asset Allocation
Asset Class Value Cash 83.86% Debt 16.14% Debt Sector Allocation
Sector Value Cash Equivalent 77.03% Corporate 22.97% Credit Quality
Rating Value AA 12.9% AAA 87.1% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Receivable/Payable
Net Current Assets | -38% ₹46 Cr State Bank Of Patiala
Debentures | -12% ₹14 Cr 1,420,000 Bank Of Baroda
Certificate of Deposit | -12% ₹14 Cr 1,500,000
↓ -1,000,000 TALWANDI SABO POWER LTD
Debentures | -8% ₹10 Cr 1,000,000
↓ -4,000,000 Indiabulls Housing Finance Limited
Debentures | -8% ₹10 Cr 1,000,000
↓ -1,500,000 HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED
Commercial Paper | -8% ₹9 Cr 1,000,000 Treps 03-June-2019
CBLO/Reverse Repo | -6% ₹7 Cr 714,000
↑ 714,000 Tata Capital Financial Services Limited
Debentures | -4% ₹5 Cr 500,000
↓ -2,000,000 LIC Housing Finance Limited
Debentures | -3% ₹3 Cr 300,000 5. SBI Magnum Ultra Short Duration Fund
CAGR/Annualized return of 7.4% since its launch. Return for 2018 was 7.9% , 2017 was 6.6% and 2016 was 7.7% . SBI Magnum Ultra Short Duration Fund
Growth Launch Date 21 May 99 NAV (21 Jun 19) ₹4,215.25 ↑ 0.49 (0.01 %) Net Assets (Cr) ₹8,143 on 30 Apr 19 Category Debt - Ultrashort Bond AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Low Expense Ratio 0.22 Sharpe Ratio 11.66 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment Exit Load NIL Yield to Maturity 7.48% Effective Maturity 4 Months 24 Days Modified Duration 4 Months 13 Days Growth of 10,000 investment over the years.
Date Value 31 May 14 ₹10,000 31 May 15 ₹10,882 31 May 16 ₹11,768 31 May 17 ₹12,587 31 May 18 ₹13,443 31 May 19 ₹14,583 Returns for SBI Magnum Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jun 19 Duration Returns 1 Month 0.7% 3 Month 2% 6 Month 4.1% 1 Year 8.3% 3 Year 7.4% 5 Year 7.8% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2018 7.9% 2017 6.6% 2016 7.7% 2015 8.3% 2014 9% 2013 9.3% 2012 9.3% 2011 8.7% 2010 5.4% 2009 4.8% Fund Manager information for SBI Magnum Ultra Short Duration Fund
Name Since Tenure Rajeev Radhakrishnan 1 May 10 9 Yr. Data below for SBI Magnum Ultra Short Duration Fund as on 30 Apr 19
Asset Allocation
Asset Class Value Cash 73.87% Debt 26.13% Debt Sector Allocation
Sector Value Cash Equivalent 73.87% Corporate 20.54% Government 4.63% Securitized 0.95% Credit Quality
Rating Value AA 7.65% AAA 92.35% Top Securities Holdings / Portfolio
Name Holding Value Quantity NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Certificate of Deposit | -5% ₹467 Cr 50,000
↑ 50,000 CITICORP FINANCE (INDIA) LIMITED
Debentures | -3% ₹300 Cr 3,000 BAJAJ FINANCE LIMITED
Commercial Paper | -3% ₹296 Cr 6,000
↑ 6,000 ANDHRA BANK
Certificate of Deposit | -3% ₹281 Cr 30,000
↑ 30,000 Indian Oil Corporation Limited
Commercial Paper | -3% ₹250 Cr 5,000 Axis Bank Limited
Certificate of Deposit | -3% ₹237 Cr 25,000 BANK OF BARODA
Certificate of Deposit | -3% ₹234 Cr 25,000
↑ 25,000 Novy MIR Lightweighting Solutions Private Limited
Debentures | -2% ₹211 Cr 42 LIC Housing Finance Limited
Debentures | -2% ₹200 Cr 2,000 Axis Bank Limited
Certificate of Deposit | -2% ₹197 Cr 20,000
↑ 20,000
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