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Q: Are mutual funds risk-free?

No, mutual funds are not risk-free. They are linked to the Indian financial market and any potential gains are subject to market conditions. You can invest in mutual funds based on your risk tolerance and financial goals.

Q: Is mutual funds investment better than stocks?

Mutual funds offer diversification and professional management, while stocks provide direct control. Each has its risks and benefits, so conduct thorough research before deciding.

Q: Are SIPs and Mutual Funds the same?

An SIP is a method of investing in mutual funds. It allows investors to routinely invest a specified amount of money in a fund at an interval of their choice.

Q: What are sector specific funds/schemes?

These are mutual funds that invest in securities of securities specific industries or sectors. This may include pharma, Fast Moving Consumer Goods (FMCG), information technology, etc. The returns earned from these funds depend on the performance of the focused sector.

Q: What is a capital protection-oriented scheme?

These are hybrid funds that typically invest in fixed income instruments, with a part of the corpus allocated to equities. These close-ended schemes come with a fixed maturity period of 3 to 5 years.

Mutual Funds
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Mutual funds pool money from investors with a common goal, investing in securities like bonds, equities, stocks, money market instruments, etc. Invest in them through Systematic Investment Plans (SIPs) or make a lump sum payment. The risk level in these funds varies depending on the underlying asset. Hence, returns are not guaranteed.

You can invest directly or through an Asset Management Company (AMC)/ distributors. AMCs are SEBI-registered institutions, who appoint fund managers to manage the assets and make investment decisions on the investor's behalf.

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Features of Mutual Funds

Professional Fund Management

Get full-time experienced fund managers who will actively buy or sell investment and monitor and rebalance the portfolio to meet the fund's goal.

Transparency

Get the Scheme Information Document on the AMC's website for details on fund managers, risk level of the scheme, scheme objective, etc.

SIP and Lump Sum Investments

Invest through convenient SIPs and invest a fixed amount at predetermined intervals or opt for a one-time lump sum deposit at the start of the investment period.

Diversification

Invest across different securities and asset classes based on the objective of the scheme to lower the risk of losses faced in a single category.

Types of Mutual Funds

Equity Funds

SEBI regulations require these funds to invest at least 65% in equities and related instruments. While this may suggest potential for profits in the long term, they are subject to market volatility.

Debt Funds

Debt funds invest in fixed income instruments that offer capital appreciation. These include government and corporate bonds, money market instruments, and corporate debt securities, among others.

Hybrid Funds

These funds invest in a mix of equity and debt in varying proportions to suit the fund's investment objective. Hybrid funds create a balance of risk and return by investing across different asset classes.

Solution-oriented Funds

Solution-oriented funds allow investors to set aside funds for capital appreciation or preservation to finance a certain expense in the long-term. This could be for children's education, retirement planning, etc.

Thematic Funds

These funds are a type of equity fund that invests in stocks of companies that focus on a particular theme, like real estate, sustainability, etc. Thematic funds capitalise on new opportunities by investing in different sectors.

Advantages of Investing in Mutual Funds

Tax Benefits

Claim tax deductions of up to ₹1.50 Lakhs per financial year for investments in ELSS under Section 80C of the Income Tax Act, 1961 under old tax regime.

Access to Expert Knowledge

Get access to professional guidance from experts, who will conduct thorough research to assist with decision-making.

Invest Based on Risk Profile

Analyse your investment needs, and choose mutual funds that align with your risk appetite and financial goals.

Meet Financial Goals

Browse from a range of mutual fund options to achieve specific financial goals like tax savings, retirement planning, home renovation, etc.

Liquidity

Redeem or liquidate units of an open-ended mutual fund to meet financial requirements on any trade day, until the market is open.

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Frequently Asked Questions

What are mutual funds?

A mutual fund is an investment tool that lets you pool your money with other investors. This is for the sole purpose of 'mutually' purchasing stocks, bonds, or securities. Invest in a mutual fund of your choice based on your risk appetite. The returns that you gain are subject to market conditions and the type of mutual fund you are investing in.

Are mutual funds risk-free?

Is mutual funds investment better than stocks?

Are SIPs and Mutual Funds the same?

What are sector specific funds/schemes?

What is a capital protection-oriented scheme?

Disclaimer

Investment Advisory

Bajaj Markets (“BM”) is a licensed registered investment adviser (SEBI Registration no. INA000016083 & BASL Registration no.1022). recognized by Security Exchange Board of India (“SEBI”), having its Corporate Address: 4th Floor, B2 Building, Cerebrum IT Park, Kumar City, Kalyani Nagar, Pune – 411014. The Services offered on the Site by BM does not constitute investment advice in any manner whatsoever. Investment in securities market are subject to market risks. Users are requested to read all the related documents carefully before investing. Registration granted by SEBI (INA000016083), membership of BASL (1022) and certificate obtained from NISM, in no way guarantees performance of the intermediary or provide any assurance of returns to investors.

Mutual funds

Bajaj Markets (“BM”) has entered into a referral arrangement with Bajaj Finance Limited (“BFL”) which is registered with Association of Mutual Funds in India ("AMFI") as a distributor of mutual funds with ARN No:90319 which enables BM to facilitate Indian residents, to invest in Regular Mutual Funds plan. The Users using the Site, shall be redirected to the platform of BFL and the User shall be bound by the terms and conditions of BFL as applicable to such User.

The Services offered on the Site does not constitute investment advice in any manner whatsoever. Please read the scheme information and other related documents carefully before investing and obtain expert professional advice with regards to specific legal, tax, and consequences of investments and risk factors.

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