सर्वोत्तम गुंतवणूक योजना: आर्थिक योजना कशी तयार करावी?

Updated on August 10, 2025 , 22633 views

उत्तमगुंतवणूक योजना आहे एकआर्थिक योजना जे आम्हाला संधी देतेपैसे वाचवा आमच्या भविष्यातील गरजांसाठीगुंतवणूक आर्थिक साधनांमध्ये. चांगली गुंतवणूक योजना किंवा वाईट गुंतवणूक योजना असे काहीही नाही.

तुम्ही तुमची योजना किती चांगल्या प्रकारे तयार करता यावर अवलंबून प्रत्येक योजना चांगली किंवा वाईट असू शकतेआधार आपल्या गरजा. तुम्ही तुमच्या उद्दिष्टांवर अवलंबून उच्च परताव्यासह सर्वोत्तम गुंतवणूक योजना किंवा कमीत कमी परताव्यासह अल्पकालीन गुंतवणूक योजना निवडू शकता. म्हणून, आपल्या लक्षात ठेवून एक गुंतवणूक योजना सुज्ञपणे तयार करणे महत्वाचे आहेआर्थिक उद्दिष्टे. सर्वोत्तम गुंतवणूक योजना तयार करण्यासाठी आम्ही काही पायऱ्या सूचीबद्ध केल्या आहेत.

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सर्वोत्तम गुंतवणूक योजना: कशी तयार करावी?

गुंतवणूक योजना तयार करण्याच्या मूलभूत पायऱ्या खालीलप्रमाणे आहेत:

मी वर नमूद केलेल्या प्रत्येक चरणाचे स्पष्टीकरण देण्याचा प्रयत्न करूया:

पायरी 1: जोखीम मूल्यांकन

गुंतवणुकीसाठी एखाद्याला त्याची जोखीम प्रोफाइल समजून घेणे आवश्यक आहे. जोखीम प्रोफाइल विविध घटकांवर अवलंबून असते जसे की:

वय
रोख प्रवाह (पगार, आवर्तीउत्पन्न इ.)
अवलंबित
नुकसान सहन करण्याची क्षमता
नजीकच्या काळात रोख/पैशाची आवश्यकता
मूलभूत प्रश्नावली आहेत जी या प्रक्रियेद्वारे एखाद्या व्यक्तीला घेऊन जातात आणि शेवटी एक नंबर किंवा रेटिंग देतात जे एखाद्या व्यक्तीच्या जोखमीचे रेटिंग देतात. जोखीम रेटिंग असे असू शकते:

जोखीम रेटिंग
आक्रमक
मध्यम आक्रमक
मध्यम
माफक प्रमाणात पुराणमतवादी
पुराणमतवादी

एकदा आपण आपल्याजोखीमीचे मुल्यमापन किंवा रेटिंग ठिकाणी, पुढील पायरी निवडणे आहेमालमत्ता वाटप.

पायरी 2: मालमत्ता वाटप

तुमची सर्व अंडी एका टोपलीत ठेवणे कधीही चांगली कल्पना नाही आणि म्हणून एखाद्याने मालमत्ता वर्गांमध्ये (इक्विटी, कर्ज, रोख, कमोडिटीज {गोल्ड}) त्यांची होल्डिंग वैविध्यपूर्ण करणे आवश्यक आहे. हे मालमत्ता वाटप हे सुनिश्चित करेल की विविध मालमत्ता वर्ग कालांतराने कामगिरी करतात आणि एकूण पोर्टफोलिओवर चांगला परतावा देतात.

नमुना मालमत्ता वाटप हे असू शकते:

	आक्रमक	मध्यम	पुराणमतवादी
वार्षीक परतावा	१६%	14%	11%
वार्षिकप्रमाणित विचलन	१५%	10%	६%

कर्ज	३०%	५०%	७०%
इक्विटी	६०%	४०%	20%
कमोडिटी	10%	10%	10%

एकूण	100%	100%	100%

एखादी व्यक्ती उचलू शकणारी जोखीम लक्षात घेता, इक्विटीसाठी वेगवेगळे वाटप प्रस्तावित आहेत. जोखीम घेण्याची क्षमता जितकी जास्त असेल तितके इक्विटीचे वाटप. इक्विटी वाटप 100 - (व्यक्तीचे वय वर्षांमध्ये) आणि कर्जासाठी विश्रांती यांसारखे विविध थंब नियम आहेत.

आक्रमक गुंतवणूकदारांसाठी सर्वोत्तम म्युच्युअल फंड

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)	Sub Cat.
DSP Equity Opportunities Fund Growth	₹600.271 ↑ 0.67	₹15,663	-0.5	7.5	-1.5	19	22.3	23.9	Large & Mid Cap
Aditya Birla Sun Life Small Cap Fund Growth	₹83.3188 ↑ 0.13	₹5,134	4.6	11.6	-3.9	17.8	24.8	21.5	Small Cap
Kotak Standard Multicap Fund Growth	₹83.29 ↓ -0.18	₹54,841	1.9	11.4	2.5	16.1	19.2	16.5	Multi Cap
Motilal Oswal Multicap 35 Fund Growth	₹59.9502 ↓ -0.27	₹13,894	0.3	7.8	5.7	22.1	18.6	45.7	Multi Cap
Invesco India Growth Opportunities Fund Growth	₹100.06 ↓ -0.31	₹7,887	8.2	18.3	11.6	24.6	24.2	37.5	Large & Mid Cap
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Aug 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Equity Opportunities Fund	Aditya Birla Sun Life Small Cap Fund	Kotak Standard Multicap Fund	Motilal Oswal Multicap 35 Fund	Invesco India Growth Opportunities Fund
Point 1	Upper mid AUM (₹15,663 Cr).	Bottom quartile AUM (₹5,134 Cr).	Highest AUM (₹54,841 Cr).	Lower mid AUM (₹13,894 Cr).	Bottom quartile AUM (₹7,887 Cr).
Point 2	Oldest track record among peers (25 yrs).	Established history (18+ yrs).	Established history (15+ yrs).	Established history (11+ yrs).	Established history (18+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (lower mid).	Rating: 5★ (bottom quartile).	Rating: 5★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 22.30% (lower mid).	5Y return: 24.79% (top quartile).	5Y return: 19.16% (bottom quartile).	5Y return: 18.58% (bottom quartile).	5Y return: 24.19% (upper mid).
Point 6	3Y return: 18.98% (lower mid).	3Y return: 17.83% (bottom quartile).	3Y return: 16.09% (bottom quartile).	3Y return: 22.06% (upper mid).	3Y return: 24.61% (top quartile).
Point 7	1Y return: -1.51% (bottom quartile).	1Y return: -3.94% (bottom quartile).	1Y return: 2.51% (lower mid).	1Y return: 5.74% (upper mid).	1Y return: 11.62% (top quartile).
Point 8	Alpha: 0.06 (bottom quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 1.33 (lower mid).	Alpha: 8.72 (upper mid).	Alpha: 9.12 (top quartile).
Point 9	Sharpe: 0.04 (bottom quartile).	Sharpe: -0.12 (bottom quartile).	Sharpe: 0.10 (lower mid).	Sharpe: 0.42 (upper mid).	Sharpe: 0.50 (top quartile).
Point 10	Information ratio: 0.25 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.21 (bottom quartile).	Information ratio: 0.73 (upper mid).	Information ratio: 1.03 (top quartile).

DSP Equity Opportunities Fund

Upper mid AUM (₹15,663 Cr).
Oldest track record among peers (25 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 22.30% (lower mid).
3Y return: 18.98% (lower mid).
1Y return: -1.51% (bottom quartile).
Alpha: 0.06 (bottom quartile).
Sharpe: 0.04 (bottom quartile).
Information ratio: 0.25 (lower mid).

Aditya Birla Sun Life Small Cap Fund

Bottom quartile AUM (₹5,134 Cr).
Established history (18+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 24.79% (top quartile).
3Y return: 17.83% (bottom quartile).
1Y return: -3.94% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.12 (bottom quartile).
Information ratio: 0.00 (bottom quartile).

Kotak Standard Multicap Fund

Highest AUM (₹54,841 Cr).
Established history (15+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.16% (bottom quartile).
3Y return: 16.09% (bottom quartile).
1Y return: 2.51% (lower mid).
Alpha: 1.33 (lower mid).
Sharpe: 0.10 (lower mid).
Information ratio: 0.21 (bottom quartile).

Motilal Oswal Multicap 35 Fund

Lower mid AUM (₹13,894 Cr).
Established history (11+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.58% (bottom quartile).
3Y return: 22.06% (upper mid).
1Y return: 5.74% (upper mid).
Alpha: 8.72 (upper mid).
Sharpe: 0.42 (upper mid).
Information ratio: 0.73 (upper mid).

Invesco India Growth Opportunities Fund

Bottom quartile AUM (₹7,887 Cr).
Established history (18+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.19% (upper mid).
3Y return: 24.61% (top quartile).
1Y return: 11.62% (top quartile).
Alpha: 9.12 (top quartile).
Sharpe: 0.50 (top quartile).
Information ratio: 1.03 (top quartile).

मध्यम आक्रमक गुंतवणूकदारांसाठी सर्वोत्तम म्युच्युअल फंड

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity	Sub Cat.
Aditya Birla Sun Life Medium Term Plan Growth	₹40.1992 ↓ -0.04	₹2,732	2.1	7.2	13.1	9.4	10.5	7.52%	3Y 7M 17D	4Y 10M 10D	Medium term Bond
Nippon India Strategic Debt Fund Growth	₹15.8894 ↓ -0.01	₹100	3.4	6.4	10.6	8.2	8.3	7.37%	3Y 5M 1D	4Y 7M 24D	Medium term Bond
Axis Strategic Bond Fund Growth	₹28.2211 ↓ -0.03	₹1,942	1.7	4.7	8.8	7.9	8.7	7.66%	3Y 2M 19D	4Y 1M 17D	Medium term Bond
ICICI Prudential Gilt Fund Growth	₹102.855 ↓ -0.31	₹7,276	0.2	3.9	7.7	8.1	8.2	6.39%	3Y 3M	10Y 22D	Government Bond
UTI Gilt Fund Growth	₹62.3733 ↓ -0.15	₹639	-1.1	2.5	5.9	7.2	8.9	6.88%	9Y 9M 18D	23Y 9M 14D	Government Bond
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Aug 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Medium Term Plan	Nippon India Strategic Debt Fund	Axis Strategic Bond Fund	ICICI Prudential Gilt Fund	UTI Gilt Fund
Point 1	Upper mid AUM (₹2,732 Cr).	Bottom quartile AUM (₹100 Cr).	Lower mid AUM (₹1,942 Cr).	Highest AUM (₹7,276 Cr).	Bottom quartile AUM (₹639 Cr).
Point 2	Established history (16+ yrs).	Established history (11+ yrs).	Established history (13+ yrs).	Oldest track record among peers (26 yrs).	Established history (23+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 13.12% (top quartile).	1Y return: 10.59% (upper mid).	1Y return: 8.82% (lower mid).	1Y return: 7.72% (bottom quartile).	1Y return: 5.90% (bottom quartile).
Point 6	1M return: 0.23% (top quartile).	1M return: 0.14% (upper mid).	1M return: 0.13% (lower mid).	1M return: -0.74% (bottom quartile).	1M return: -1.24% (bottom quartile).
Point 7	Sharpe: 3.02 (top quartile).	Sharpe: 1.51 (lower mid).	Sharpe: 2.09 (upper mid).	Sharpe: 1.34 (bottom quartile).	Sharpe: 0.44 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.52% (upper mid).	Yield to maturity (debt): 7.37% (lower mid).	Yield to maturity (debt): 7.66% (top quartile).	Yield to maturity (debt): 6.39% (bottom quartile).	Yield to maturity (debt): 6.88% (bottom quartile).
Point 10	Modified duration: 3.63 yrs (bottom quartile).	Modified duration: 3.42 yrs (lower mid).	Modified duration: 3.22 yrs (top quartile).	Modified duration: 3.25 yrs (upper mid).	Modified duration: 9.80 yrs (bottom quartile).

Aditya Birla Sun Life Medium Term Plan

Upper mid AUM (₹2,732 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 13.12% (top quartile).
1M return: 0.23% (top quartile).
Sharpe: 3.02 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.52% (upper mid).
Modified duration: 3.63 yrs (bottom quartile).

Nippon India Strategic Debt Fund

Bottom quartile AUM (₹100 Cr).
Established history (11+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 10.59% (upper mid).
1M return: 0.14% (upper mid).
Sharpe: 1.51 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.37% (lower mid).
Modified duration: 3.42 yrs (lower mid).

Axis Strategic Bond Fund

Lower mid AUM (₹1,942 Cr).
Established history (13+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 8.82% (lower mid).
1M return: 0.13% (lower mid).
Sharpe: 2.09 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.66% (top quartile).
Modified duration: 3.22 yrs (top quartile).

ICICI Prudential Gilt Fund

Highest AUM (₹7,276 Cr).
Oldest track record among peers (26 yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.72% (bottom quartile).
1M return: -0.74% (bottom quartile).
Sharpe: 1.34 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.39% (bottom quartile).
Modified duration: 3.25 yrs (upper mid).

UTI Gilt Fund

Bottom quartile AUM (₹639 Cr).
Established history (23+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.90% (bottom quartile).
1M return: -1.24% (bottom quartile).
Sharpe: 0.44 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.88% (bottom quartile).
Modified duration: 9.80 yrs (bottom quartile).

मध्यम रूढिवादी गुंतवणूकदारांसाठी सर्वोत्तम म्युच्युअल फंड

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity	Sub Cat.
HDFC Corporate Bond Fund Growth	₹32.7743 ↓ -0.05	₹35,686	1.5	4.3	8.4	7.8	8.6	6.94%	4Y 3M 14D	6Y 10M 20D	Corporate Bond
UTI Banking & PSU Debt Fund Growth	₹22.14 ↓ -0.01	₹805	2.1	4.7	8.4	7.2	7.6	6.53%	1Y 10M 10D	2Y 1M 13D	Banking & PSU Debt
Aditya Birla Sun Life Corporate Bond Fund Growth	₹113.557 ↓ -0.20	₹28,675	1.3	4.2	8.3	7.8	8.5	6.94%	4Y 5M 26D	6Y 11M 23D	Corporate Bond
HDFC Banking and PSU Debt Fund Growth	₹23.1861 ↓ -0.03	₹6,094	1.7	4.4	8.3	7.4	7.9	6.82%	3Y 8M 23D	5Y 4M 10D	Banking & PSU Debt
PGIM India Short Maturity Fund Growth	₹39.3202 ↓ 0.00	₹28	1.2	3.1	6.1	4.2		7.18%	1Y 7M 28D	1Y 11M 1D	Short term Bond
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Aug 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Corporate Bond Fund	UTI Banking & PSU Debt Fund	Aditya Birla Sun Life Corporate Bond Fund	HDFC Banking and PSU Debt Fund	PGIM India Short Maturity Fund
Point 1	Highest AUM (₹35,686 Cr).	Bottom quartile AUM (₹805 Cr).	Upper mid AUM (₹28,675 Cr).	Lower mid AUM (₹6,094 Cr).	Bottom quartile AUM (₹28 Cr).
Point 2	Established history (15+ yrs).	Established history (11+ yrs).	Oldest track record among peers (28 yrs).	Established history (11+ yrs).	Established history (22+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (lower mid).	Rating: 5★ (bottom quartile).	Rating: 5★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.
Point 5	1Y return: 8.41% (top quartile).	1Y return: 8.39% (upper mid).	1Y return: 8.29% (lower mid).	1Y return: 8.27% (bottom quartile).	1Y return: 6.08% (bottom quartile).
Point 6	1M return: 0.03% (bottom quartile).	1M return: 0.31% (upper mid).	1M return: -0.07% (bottom quartile).	1M return: 0.11% (lower mid).	1M return: 0.43% (top quartile).
Point 7	Sharpe: 1.57 (lower mid).	Sharpe: 2.05 (top quartile).	Sharpe: 1.66 (upper mid).	Sharpe: 1.45 (bottom quartile).	Sharpe: -0.98 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.94% (upper mid).	Yield to maturity (debt): 6.53% (bottom quartile).	Yield to maturity (debt): 6.94% (lower mid).	Yield to maturity (debt): 6.82% (bottom quartile).	Yield to maturity (debt): 7.18% (top quartile).
Point 10	Modified duration: 4.29 yrs (bottom quartile).	Modified duration: 1.86 yrs (upper mid).	Modified duration: 4.49 yrs (bottom quartile).	Modified duration: 3.73 yrs (lower mid).	Modified duration: 1.66 yrs (top quartile).

HDFC Corporate Bond Fund

Highest AUM (₹35,686 Cr).
Established history (15+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 8.41% (top quartile).
1M return: 0.03% (bottom quartile).
Sharpe: 1.57 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.94% (upper mid).
Modified duration: 4.29 yrs (bottom quartile).

UTI Banking & PSU Debt Fund

Bottom quartile AUM (₹805 Cr).
Established history (11+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderate.
1Y return: 8.39% (upper mid).
1M return: 0.31% (upper mid).
Sharpe: 2.05 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.53% (bottom quartile).
Modified duration: 1.86 yrs (upper mid).

Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹28,675 Cr).
Oldest track record among peers (28 yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.29% (lower mid).
1M return: -0.07% (bottom quartile).
Sharpe: 1.66 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.94% (lower mid).
Modified duration: 4.49 yrs (bottom quartile).

HDFC Banking and PSU Debt Fund

Lower mid AUM (₹6,094 Cr).
Established history (11+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.27% (bottom quartile).
1M return: 0.11% (lower mid).
Sharpe: 1.45 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.82% (bottom quartile).
Modified duration: 3.73 yrs (lower mid).

PGIM India Short Maturity Fund

Bottom quartile AUM (₹28 Cr).
Established history (22+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.08% (bottom quartile).
1M return: 0.43% (top quartile).
Sharpe: -0.98 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.18% (top quartile).
Modified duration: 1.66 yrs (top quartile).

कंझर्व्हेटिव्ह गुंतवणूकदारांसाठी सर्वोत्तम म्युच्युअल फंड

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity	Sub Cat.
Aditya Birla Sun Life Savings Fund Growth	₹553.145 ↓ -0.10	₹20,228	2	4	8	7.4	7.9	6.72%	5M 26D	6M 29D	Ultrashort Bond
Indiabulls Liquid Fund Growth	₹2,542.09 ↑ 0.41	₹328	1.5	3.4	7	6.9	7.4	5.87%	1M 28D	1M 29D	Liquid Fund
PGIM India Insta Cash Fund Growth	₹342.194 ↑ 0.06	₹357	1.5	3.3	7	7	7.3	5.9%	1M 20D	1M 24D	Liquid Fund
JM Liquid Fund Growth	₹71.7144 ↑ 0.01	₹1,909	1.5	3.3	6.9	6.9	7.2	5.87%	1M 16D	1M 19D	Liquid Fund
UTI Ultra Short Term Fund Growth	₹4,270.95 ↑ 0.03	₹4,551	1.7	3.6	7.2	6.8	7.2	6.46%	5M 12D	5M 19D	Ultrashort Bond
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Aug 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	Indiabulls Liquid Fund	PGIM India Insta Cash Fund	JM Liquid Fund	UTI Ultra Short Term Fund
Point 1	Highest AUM (₹20,228 Cr).	Bottom quartile AUM (₹328 Cr).	Bottom quartile AUM (₹357 Cr).	Lower mid AUM (₹1,909 Cr).	Upper mid AUM (₹4,551 Cr).
Point 2	Established history (22+ yrs).	Established history (13+ yrs).	Established history (17+ yrs).	Oldest track record among peers (27 yrs).	Established history (21+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (lower mid).	Rating: 5★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Moderately Low.
Point 5	1Y return: 8.01% (top quartile).	1Y return: 7.03% (lower mid).	1Y return: 7.01% (bottom quartile).	1Y return: 6.90% (bottom quartile).	1Y return: 7.20% (upper mid).
Point 6	1M return: 0.49% (top quartile).	1M return: 0.47% (upper mid).	1M return: 0.46% (bottom quartile).	1M return: 0.47% (lower mid).	1M return: 0.44% (bottom quartile).
Point 7	Sharpe: 3.55 (upper mid).	Sharpe: 3.32 (lower mid).	Sharpe: 3.56 (top quartile).	Sharpe: 3.11 (bottom quartile).	Sharpe: 2.18 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: -1.49 (bottom quartile).	Information ratio: -0.92 (lower mid).	Information ratio: -2.34 (bottom quartile).	Information ratio: 0.00 (upper mid).
Point 9	Yield to maturity (debt): 6.72% (top quartile).	Yield to maturity (debt): 5.87% (bottom quartile).	Yield to maturity (debt): 5.90% (lower mid).	Yield to maturity (debt): 5.87% (bottom quartile).	Yield to maturity (debt): 6.46% (upper mid).
Point 10	Modified duration: 0.49 yrs (bottom quartile).	Modified duration: 0.16 yrs (lower mid).	Modified duration: 0.14 yrs (upper mid).	Modified duration: 0.13 yrs (top quartile).	Modified duration: 0.45 yrs (bottom quartile).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹20,228 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 8.01% (top quartile).
1M return: 0.49% (top quartile).
Sharpe: 3.55 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.72% (top quartile).
Modified duration: 0.49 yrs (bottom quartile).

Indiabulls Liquid Fund

Bottom quartile AUM (₹328 Cr).
Established history (13+ yrs).
Rating: 5★ (upper mid).
Risk profile: Low.
1Y return: 7.03% (lower mid).
1M return: 0.47% (upper mid).
Sharpe: 3.32 (lower mid).
Information ratio: -1.49 (bottom quartile).
Yield to maturity (debt): 5.87% (bottom quartile).
Modified duration: 0.16 yrs (lower mid).

PGIM India Insta Cash Fund

Bottom quartile AUM (₹357 Cr).
Established history (17+ yrs).
Rating: 5★ (lower mid).
Risk profile: Low.
1Y return: 7.01% (bottom quartile).
1M return: 0.46% (bottom quartile).
Sharpe: 3.56 (top quartile).
Information ratio: -0.92 (lower mid).
Yield to maturity (debt): 5.90% (lower mid).
Modified duration: 0.14 yrs (upper mid).

JM Liquid Fund

Lower mid AUM (₹1,909 Cr).
Oldest track record among peers (27 yrs).
Rating: 5★ (bottom quartile).
Risk profile: Low.
1Y return: 6.90% (bottom quartile).
1M return: 0.47% (lower mid).
Sharpe: 3.11 (bottom quartile).
Information ratio: -2.34 (bottom quartile).
Yield to maturity (debt): 5.87% (bottom quartile).
Modified duration: 0.13 yrs (top quartile).

UTI Ultra Short Term Fund

Upper mid AUM (₹4,551 Cr).
Established history (21+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.20% (upper mid).
1M return: 0.44% (bottom quartile).
Sharpe: 2.18 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.46% (upper mid).
Modified duration: 0.45 yrs (bottom quartile).

वरील प्रकारानुसार मार्गदर्शन म्हणून वापरले जाऊ शकतेगुंतवणूकदार एक आहे. प्रस्तावित मालमत्ता वाटप दरवर्षी अपेक्षित वार्षिक परतावा आणि परताव्यात अपेक्षित तफावत (वार्षिक मानक विचलन) देखील देते.

पायरी 3: उत्पादनाची निवड

चला, उदाहरणार्थ, येथे व्यक्ती आक्रमक आहे आणि म्हणूनच इक्विटी वाटप 60% असेल. म्हणून प्रस्तावित गुंतवणूक वाटप (१० लाख गुंतवणुकीसाठी):

इक्विटी (60%) = 6 लाख

कर्ज (३०%) = ३ लाख

सोने (10%) = 1 लाख

एखादी चांगली योजना मिळविण्यासाठी काही संशोधन करून प्रयत्न केले पाहिजेत. विविधरेटिंग एजन्सी जसे क्रिसिल, व्हॅल्यू रिसर्च, मॉर्निंगस्टार इ. फंड रेटिंग देतात. ही रेटिंग वापरणे आणि काही उत्कृष्ट कामगिरी करणारे फंड मिळवणे हे सुनिश्चित करेल की आम्ही पोर्टफोलिओमध्ये चांगली कामगिरी करणारे फंड निवडण्याचा प्रयत्न करू.

उदाहरणात,

इक्विटीसाठी लार्ज-कॅपचे मिश्रण निवडू शकते आणिमिड-कॅप
कर्ज दीर्घकालीन आणि अल्प मुदतीच्या मिश्रणात पसरले जाऊ शकते
सोन्यासाठी, कोणीही सोन्याचा वापर करू शकतोईटीएफ आधारितम्युच्युअल फंड

पायरी 4: म्युच्युअल फंडांचे निरीक्षण आणि पुनर्संतुलन

तुमच्या गुंतवणुकीचे निरीक्षण करणे ही एक महत्त्वाची पायरी आहे आणि एखाद्याने किमान तिमाहीत एकदा पोर्टफोलिओचे पुनरावलोकन केले पाहिजे आणि वर्षातून किमान एकदा तरी तो संतुलित केला पाहिजे. तसेच, योजनेचे कार्यप्रदर्शन पाहणे देखील महत्त्वाचे आहे आणि कार्यप्रदर्शन समस्या असल्यास एखाद्याने अधिक चांगली कामगिरी करणारी योजना बदलली पाहिजे (कर विचारात घेऊन).

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