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Mutual Fund is an investment avenue that is formed when numerous individuals sharing the same idea come together and invest their money. The Mutual Fund scheme then invests in various financial instruments on behalf of these individuals and earns profit. There are various categories of Mutual Fund schemes that are designed to cater the diverse requirements of the individuals. The broad categories of Mutual fund schemes Equity Funds, Debt fund, and Hybrid Fund. In 2022, the performance of all scheme categories was good. The Mutual Funds were able to earn commensurate returns for their investors. So, let us look at the performance of these schemes for 2022.
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Fund NAV Net Assets (Cr) 2022 (%) 2021 (%) 2020 (%) 2019 (%) 2018 (%) SBI PSU Fund Growth ₹14.6659
↓ -0.24 ₹505 29 32.4 -10 6 -23.8 ICICI Prudential Infrastructure Fund Growth ₹99.97
↓ -1.06 ₹2,270 28.8 50.1 3.6 2.6 -14 Nippon India Banking Fund Growth ₹372.912
↓ -5.27 ₹3,827 20.7 29.7 -10.6 10.7 -1.2 Invesco India PSU Equity Fund Growth ₹29.21
↓ -0.33 ₹395 20.5 31.1 6.1 10.1 -16.9 LIC MF Banking & Financial Services Fund Growth ₹14.58
↓ -0.13 ₹121 19.6 9.8 -2.1 19.9 -18 HDFC Infrastructure Fund Growth ₹22.617
↓ -0.35 ₹593 19.3 43.2 -7.5 -3.4 -29 ICICI Prudential FMCG Fund Growth ₹385.54
↓ -1.48 ₹1,156 18.3 19.5 9.7 4.5 7.1 HDFC Equity Fund Growth ₹1,099.52
↓ -5.46 ₹31,673 18.3 36.2 6.4 6.8 -3.5 HDFC Focused 30 Fund Growth ₹128.868
↓ -0.47 ₹3,610 18.3 40.1 4.2 3.8 -14.6 Taurus Banking & Financial Services Fund Growth ₹35.57
↓ -0.28 ₹9 17.8 11.4 1.7 25.1 4.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Mar 23
Fund NAV Net Assets (Cr) 2022 (%) 2021 (%) 2020 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity BOI AXA Credit Risk Fund Growth ₹10.6521
↑ 0.00 ₹161 143.1 9.4 -44.4 7% 9M 10M 24D Aditya Birla Sun Life Medium Term Plan Growth ₹31.9362
↑ 0.02 ₹1,652 24.8 7.1 8.1 8.15% 2Y 9M 11D 4Y 3M 11D UTI Banking & PSU Debt Fund Growth ₹18.5085
↑ 0.00 ₹525 10.3 2.8 8.9 7.56% 3Y 2M 23D 3Y 11M 5D UTI Dynamic Bond Fund Growth ₹26.103
↑ 0.03 ₹469 10.1 10.8 5.9 7.11% 2Y 11M 19D 4Y 1M 24D UTI Bond Fund Growth ₹61.8356
↑ 0.07 ₹286 9.9 9.4 1.1 7.47% 4Y 2M 12D 6Y 11M 5D DSP BlackRock Credit Risk Fund Growth ₹34.0842
↑ 0.02 ₹210 9.3 2.9 4.8 7.95% 1Y 7M 20D 1Y 11M 1D Franklin India Short Term Income Plan - Retail Plan Growth ₹4,932.6
↑ 1.04 ₹429 8.6 15 -5.3 0% Aditya Birla Sun Life Credit Risk Fund Growth ₹17.4063
↑ 0.01 ₹1,032 7.1 6.4 9.4 8.39% 1Y 7M 2D 2Y 6M 14D Franklin India Credit Risk Fund Growth ₹24.7111
↓ -0.01 ₹134 6.5 13.8 -0.2 0% Aditya Birla Sun Life Dynamic Bond Fund Growth ₹38.6125
↑ 0.03 ₹1,795 6 4.9 9.7 7.91% 2Y 8M 19D 3Y 6M 29D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Mar 23
Fund NAV Net Assets (Cr) 2022 (%) 2021 (%) 2020 (%) 2019 (%) 2018 (%) BOI AXA Conservative Hybrid Fund Growth ₹27.8119
↓ -0.07 ₹63 21.5 8.5 11.4 -7.3 -2.5 HDFC Balanced Advantage Fund Growth ₹318.712
↓ -1.61 ₹51,042 18.8 26.4 7.6 6.9 -3.1 ICICI Prudential Multi-Asset Fund Growth ₹472.703
↓ -2.95 ₹16,450 16.8 34.7 9.9 7.7 -2.2 BOI AXA Equity Debt Rebalancer Fund Growth ₹18.0639
↓ -0.12 ₹91 15.7 7.2 6.7 -3.6 -0.1 ICICI Prudential Equity and Debt Fund Growth ₹235.64
↓ -1.53 ₹21,233 11.7 41.7 9 9.3 -1.9 HDFC Hybrid Equity Fund Growth ₹83.423
↓ -0.37 ₹18,730 8.9 25.7 13.4 7.5 -2.8 JM Equity Hybrid Fund Growth ₹70.1021
↓ -0.43 ₹12 8.1 22.9 30.5 -8.1 1.7 Tata Hybrid Equity Fund Growth ₹309.404
↓ -1.63 ₹3,166 7.9 23.6 10.9 6.9 -2.5 ICICI Prudential Balanced Advantage Fund Growth ₹51.92
↓ -0.16 ₹44,516 7.9 15.1 11.7 10.8 2.4 ICICI Prudential Equity Savings Fund Growth ₹18.1
↓ -0.03 ₹4,937 7.1 9.5 4.8 10.4 3.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Mar 23
The process of selecting best mutual funds are as follows.
Investment Objective: Individuals do any investment to accomplish a particular objective. Therefore, it is important to decide why the investment is being done. Some of the objectives for which individuals invest in Mutual Funds are purchasing a house, purchasing a vehicle, Retirement planning, planning for marriage, and much more.
Tenure, Expected Returns, & Risk-Appetite: Once you determine the investment objective, the next step is to determine the tenure of the investment along with expected returns and risk-appetite. Individuals should decide the tenure till which they need to invest. Along with tenure, individuals should also check for expected returns and risk-appetite. Determining the three parameters will help you decide the type of scheme that you can choose to invest.
Check Details About Mutual Fund Scheme: After deciding the type of scheme to invest, individuals should understand about the scheme. People should check various aspects of the scheme such as the fund age, its AUM or asset size of the scheme, expense ratio, and fund performance. Along with these parameters, individuals should also check the credentials of the fund manager managing the scheme.
Check the Credentials of Fund House: Apart from assessing the details of Mutual Fund scheme, individuals should also check the credentials of the fund house or the Asset Management Company (AMC). It is because, it is the fund house that is responsible for managing the schemes. As a result, the fund house is also responsible for the performance of the scheme.
Review Your Investments Regularly: Just Investing is not enough. Individuals should not take a back seat after investing in Mutual Funds. They should review their investments regularly and in a timely manner so that they can earn maximum returns on their investments.