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Mutual Fund

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What is Mutual Funds?

• A mutual fund is a professionallymanaged investment fund that pools moneyfrom many investors to purchase securities.•Mutual funds have advantages anddisadvantages compared to direct investing inindividual securities.• The primary advantages of mutual funds arethat they provide a higher level ofdiversification, they provide liquidity, and theyare managed by professional investors.• On the negative side, investors in a mutualfund must pay various fees and expenses.

Mutual Funds Today1. United States: $18.9 trillion2. Luxembourg: $3.9 trillion3. Ireland: $2.2 trillion4. Germany: $1.9 trillion5. France: $1.9 trillion6. Australia: $1.6 trillion7. United Kingdom: $1.5 trillion8. Japan: $1.5 trillion9. China: $1.3 trillion10. Brazil: $1.1 trillion

Top Performing Mutual Funds In India

Category In Mutual Funds• Large Cap-oriented Equity funds• Diversified Equity funds• Small and Mid-cap Equity funds• Thematic - Infrastructure funds• Equity Linked Savings Scheme (ELSS)• Index funds• Balanced funds• Monthly Income Plan - Aggressive• Long Term Gilt funds• Income funds• Short Term Income Funds• Credit Opportunities Funds• Ultra Short-term Debt funds• Liquid funds

Classification of Funds

1. Money Market Funds2. Bond funds3. Stock funds4. Hybrid funds5. Other funds

Expenses

1. Management fee2. Distribution charges3. Securities transaction fees incurred by the fund4. Shareholder transaction fees5. Fund services charges6. Expense ratio7. No-load fund8. Controversy regarding fees and expenses

Advantages of Investing In Mutual Funds1. Increased diversification: A fund diversifies holding many securities;

this diversification decreases risk.2. Daily liquidity: Shareholders of open-end funds and unit investment trusts may

sell their holdings back to the fund at regular intervals at a price equal tothe net asset value of the fund's holdings. Most funds allow investors toredeem in this way at the close of every trading day.

3. Professional investment management: Open-and closed-end funds hireportfolio managers to supervise the fund's investments.

4. Ability to participate in investments that may be available only to largerinvestors. For example, individual investors often find it difficult to investdirectly in foreign markets.

5. Service and convenience: Funds often provide services such as check writing.6. Government oversight: Mutual funds are regulated by a governmental body7. Transparency and ease of comparison: All mutual funds are required to report

the same information to investors, which makes them easier to compare

Points to Consider before making Investment in Mutual Funds

• You should be absolutely clear about time horizon expected return andinvestment objective before making an investment. You should build yourmutual fund portfolio based on your financial goals.• It is not necessary to invest in multiple mutual funds. Invest in few mutualfunds based on your goal. It is not necessary to invest in each categorymutual funds to build your portfolio.• Always select SIP route for investment rather than doing lump suminvestment. Invest in mutual funds for the long-term at least 3 years orabove. If you are a risk adverse investor you can start building your portfolioby investing in debt or balance funds.• Never invest in mutual funds based on tips. Carry out proper analysis andresearch before making an investment. If you are unable to identify mutualfund take advice from expert or CFP.

Points to Consider before making Investment in Mutual Funds

• Carry out assessment and balance your mutual fund portfolio at regularinterval. Consider STP (Systematic Transfer Plan) for switching from onemutual fund to other.• If your mutual fund portfolio is generating negative returns, do not panic.Don’t redeem or Stop SIPs. Avoid taking any decision based on short-termmarket movements. Continue your SIPs for the longer period.• Prefer direct mutual funds scheme. Always invest in Growth based mutualfunds over dividend based mutual funds. Stay away from New Fund offers(NFOs).•Please Remember “Mutual Funds Investments are subject to market risks.Please read the offer document carefully before investing”.

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