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About Mutual Funds

 

A mutual fund is an investment vehicle where many investors pool their money to earn returns on their capital over a period. This corpus of funds is managed by an investment professional known as a fund manager or portfolio manager. It is his/her job to invest the corpus in different securities such as bonds, stocks, gold and other assets and seek to provide potential returns. The gains (or losses) on the investment are shared collectively by the investors in proportion to their contribution to the fund.

 

Investing in mutual funds is one of the simplest ways to achieve your financial goals on time. But before you invest, take an adequate amount of time to go through the different fund options.

 

It is called the ‘Gullak” as earthen piggy bank for coins.  With TIIAS  “Aapki Gullak” plan you can start investment with low amount like Rs. 100/500/1000 per month.

 

Contact TIIAS to identify your goals and invest accordingly. TIIAS financial advisors help you to make the right investment decisions and plan your financial journey.

Mutual Fund Objectives:

 

Growth funds

Growth funds are capital appreciation. These funds put a significant portion of the money in stocks. These funds give varied combination of Equity and Debt allocation and hence it is good to invest in them for the long-term. These funds helps client to strategize High risk – High Gain, Medium risk – Medium Gain and Low risk – Low Gain based on his financial objectives and risk profile (Aggressive, Moderate, and Conservative).

 

Income funds
Income funds try to provide investors with a stable income. These are debt funds that invest mostly in bonds, government securities and certificate of deposits, etc. They are suitable for different -term goals and for investors with a lower-risk appetite.

 

Liquid funds
Liquid funds put money in short-term money market instruments like treasury bills, Certificate of Deposits (CDs), term deposits, commercial papers and so on. Liquid funds help to park your surplus money for a few days to a few months or create an emergency fund.

 

Tax saving funds
Tax saving funds offer you tax benefits under Section 80C of the Income Tax Act. When you invest in these funds, you can claim.

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Advantages of Mutual Fund:

 

Returns

One of the biggest mutual fund benefits is that you have the opportunity to earn potentially higher returns than traditional investment options offering assured returns. This is because the returns on mutual funds are linked to the market’s performance. So, if the market is on a bull run and it does exceedingly well, the impact would be reflected in the value of your fund. However, a poor performance in the market could negatively impact your investments. Unlike traditional investments, mutual funds do not assure capital protection. So do your research and invest in funds that can help you meet your financial goals at the right time in life.

 

Diversification

One of the biggest advantages of mutual fund is to give you immediate diversification. You may not have enough money to spread your investments in varied stocks and sectors, but by pooling money from thousands of similar investors, a mutual fund spreads your investment and mitigates risk exposed to market volatility/inflation.

 

Affordability

You may want to buy shares of large companies or want to invest in big companies in a particular sector of choice. However, you may not have the money to make a big investment. Mutual funds trade in big volumes, giving their investors the advantage of lower trading costs. Anyone can start an investment in a mutual fund through a Systematic Investment Plan (SIP) with as little.

 

Liquidity

You can easily move your money in and out of mutual fund investments. Investments in open-ended funds can be redeemed in part or as a whole any time to receive the current value of the units.