Aditya Birla Sun Life Retirement Mutual Fund plan your retirement depending on your age and risk taking capability by investing in equity, debt and money market instruments.
Mutual Funds and Hedge Funds are the most well-known investment alternatives in the market.
Equity Linked Savings Scheme (ELSS) is one of the most popular tax saving instrument. An ELSS comes with a lock-in period of three years and they invest in the multi-cap fund. You can save up to Rs.1.5lakh under the section of 80C. ELSS provides a balance between returns and volatility to its investor and it is also a diversified scheme.
Hybrid Fund invests in both equity as well as in debt funds to diversify its portfolio allocation.
Whenever we hear the name “equity mutual fundâ€, we all imagine a fund which gives a lot of returns. Investors who are looking for long term capital growth Equity Mutual Fund is best for them. The risk and returns depend on a scheme to scheme. Every equity fund is under actively or passively managed by experienced fund managers.
In order to generate capital and earn interest income, you can easily invest in debt funds. The debt funds usually invest in fixed income securities like treasury bills, corporate bonds, commercial paper, government securities, and other money market-related instruments. Based on the credit rating of securities, debt fund invests in a variety of securities. To get a clear view of a debt fund, here are 5 important things, you must remember before investing in debt mutual fund.
Arbitrage fund is a type of mutual fund which works when the financial market is uncertain and unstable.
As the name suggested a hybrid fund is made up of two different investments instruments- equity and debt. This fund is also called a balanced fund. Best balanced mutual funds invest 50% to 70% at the stocks and 50% to 30% in debt instruments. Basically, those balanced oriented mutual funds are equity-oriented hybrid funds. This fund is for those investors who don’t want to take the risk but still want to grow their capital.
An Equity Mutual Fund invests more than 65% of its portfolio in stocks or equity related instruments.
Debt Fund is a kind of Mutual Fund which invests in fixed interest earning instruments like certificates, fixed deposits, t-bills and etc. Debt Fund does not have so much risk like equity, but the return of this fund is not so high. The main objective of investing in a debt fund is to collect wealth by means of interest income and steady appreciation of the fund value. Debt mutual funds offer the average return of 7%-10%. This is higher than the fixed deposits or bank savings. Here we will discuss the top 10 debt mutual funds in India.
