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Mutual Funds are a must have in any investor’s portfolio. The ease of investment, diligently designed asset allocation, professional fund management and, above all a disciplined mode to build a long-term corpus are the elements that add to the appeal of mutual funds. While you can rely completely on the expertise of the fund manager, it is very important that you are aware of certain factors before you invest in the Mutual Funds and also track the performance of the Mutual Fund on a regular basis.
About Best Performing Mutual Funds
Types of Funds
There are various types of mutual funds in the market such as Equity Funds, Debt Funds, Balanced Funds and Money Market funds. You need to be aware about the objectives of each of these funds and check if your investment objectives are in line with these funds. Equity funds have high return-high risk potential while debt-funds are low on risk with limited returns. On the other hand, there are balanced funds which offer the best of both worlds.
It is very important that your risk profile is considered before making an investment. Your risk appetite is your willingness to shoulder losses in case the market doesn’t move the way you expected it to. If you are willing to go through the downturn, you can invest your money in equities or high-risk funds. If you are a cautious investor, then you can choose to protect your capital by investing in debt funds.
Expense ratio is used to measure the cost of administration and management of the fund. The SEBI has mandated that the expense ratio will be limited at 2.50%. The expense ratio for actively managed fund is higher than that of passively managed fund. Hence, you must also compare the expense ratio of various funds across the similar categories.
The duration of investment is as important as the quality of investment. Funds are exposed to investments in market which are subject to short-term fluctuations. This hampers the return capacity of the funds. If you have chosen to invest in equity-based mutual funds, you need to stay invested in it at least for a period of 7 years, so that the short-term fluctuations are smoothened out
You need to evaluate the performance of Mutual Funds by following a holistic process. The various factors that you need to consider while analysing the performance of a Mutual Fund are:
Equity Funds invest more than 60% of the assets in listed equities. Rest of the funds are invested in debt securities to balance the risk profile and support redemption. These funds are riskier but generate high-return over a long-term.
Hybrid or Balanced Funds are schemes which invest money across asset classes. In some cases, the exposure to equities is more than debt securities, while in other cases it is vice-versa. The rationale behind the allocation of assets is to strike an ideal balance between risk and returns.
This mutual fund type is less risky and invests in debt-market instruments like bonds, debentures, government securities and other fixed income securities. Debt funds can be short-term or long-term. The returns will be in the form of interest income and capital appreciation.
Gilt fund invests money primarily in Government securities over long-term. Government debt is normally devoid of credit-risk. So, if you do not want to any worries about risk, Gilt funds are for you.
Equity Linked Savings Schemes or Tax Savings funds have a lock-in of 3 years and the investments are eligible for exemption under section 80C. The risk element for these funds is higher, but they also generate higher returns.
The allocation of assets for these funds replicate a particular index listed on the stock exchange, let’s say the Sensex or Nifty.
Money market assets such as Certificate of Deposit (CD), Commercial Paper (CP), Call Money and T-Bills, are highly liquid and risk-free. This scheme allocates funds to these instruments. Money Market Funds are best suited to those who want to invest safely over short-term.
P.S: The above lists are indicative and the order of the funds is not necessarily the order of the ranking.
Aditya Birla Sun Life Dividend Yield Fund
Aditya Birla Sun Life Focused Equity Fund
Aditya Birla Sun Life Frontline Equity Fund
Aditya Birla Sun Life Manufacturing Equity Fund
Aditya Birla Sun Life MNC Fund
Aditya Birla Sun Life Mutual Funds
Advantages Of Mutual Funds
Axis Equity Funds
Axis Long Term Equity Fund
Axis Mutual Funds
Bank Of India Axa Mutual Funds
Baroda Pioneer Mutual Funds
Basics Of Mutual Funds
BNP Paribas Mutual Funds
Canara Robeco Emerging Equities Fund
Canara Robeco Mutual Funds
Charges In Mutual Funds
Dsp Mutual Funds
Edelweiss Mutual Funds
Franklin Build India Fund
Franklin India Bluechip Fund
Franklin India Credit Risk Fund
Franklin India Equity Advantage Fund
Franklin India Equity Hybrid Fund
Franklin India Feeder Franklin Us Opportunities Fund
Franklin India Focused Equity Fund
Franklin India Low Duration Fund
Franklin India Prima Fund
Franklin India Smaller Companies Fund
Franklin Templeton Mutual Funds
HDFC Arbitrage Fund
HDFC Balanced Advantage Fund
HDFC Balanced Fund
HDFC Banking And Psu Debt Fund
HDFC Capital Builder Value Fund
HDFC Corporate Bond Fund
HDFC Credit Risk Debt Fund
HDFC Equity Fund
HDFC Long Term Advantage Fund
HDFC Mutual Funds
HDFC Top 100 Funds
How To Invest In Mutual Funds
HSBC Mutual Funds
ICICI Prudential Balanced Advantage Fund
ICICI Prudential Banking And Financial Services Fund
ICICI Prudential Child Care Plan
ICICI Prudential Dividend Yield Equity Fund
ICICI Prudential Dynamic Fund
ICICI Prudential Equity Arbitrage Fund
ICICI Prudential Export And Services Fund
ICICI Prudential Fmcg Fund
ICICI Prudential Fund
ICICI Prudential Infrastructure Fund
ICICI Prudential Midcap Fund
ICICI Prudential Select Large Cap Fund
Invesco Mutual Fund
L And T Mutual Fund
LIC Mutual Fund
Lock In Period Of Mutual Funds
Mirae Asset Mutual Fund
Motilal Oswal Mutual Funds
Pgim India Mutual Funds
Principal Mutual Funds
Quantum Mutual Funds
Reliance Focused Equity Fund
Reliance Large Cap Fund
Reliance Mutual Fund
Returns In Mutual Funds
Sahara Mutual Fund
SBI Banking And Financial Services Fund
SBI Fmcg Fund
SBI It Fund
SBI Magnum Comma Fund
SBI Mutual Fund
SBI Psu Fund
Sundaram Mutual Funds
Tata Mutual Funds
Taurus Mutual Funds
Tax Saving Mutual Funds
Types Of Mutual Funds
Uti Mutual Funds
Valuation Of Mutual Funds