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A mutual fund house collects money from different investors for investment in miscellaneous securities and investments in capital market instruments. Mutual funds may contain investments like market securities, shares, and debt securities or their combination. These are basically groups of assets or instruments managed by experts/fund managers where investors share both profit and loss in accordance with the current market.
Mutual funds are investments that are managed through professionals who understand the market and make a wise and knowledgeable decision. The implementation of this scheme happens on a cost-effective and large scale, so as to ensure high returns with minimal risks. Most of the people invest in this kind of investment as there is diversification of investment which minimizes the risks significantly. Also, the cost to be paid under these schemes is very low which makes it a very reasonable option for everyone.
People who aim for completing their long term personal and family goals should opt for Systematic Investment plan when considering for mutual fund investment options. It is one of the key factors that will make you follow a disciplined approach to ensure the success of your investment. It also makes you stay committed to investing a fixed amount for a fixed period and at fixed intervals.
A lump sum investment in mutual funds are profitable only when the equity markets are rising higher and thus, would generate aggressive returns on the investment made. But, when the stock market is fluctuating, the SIP is considered to be the safest option due to Rupee-Cost Averaging and Compounding benefits offered. This investment strategy allows you to buy more units of the chosen fund when the market is down and fewer units when it is high. However, in the long run, the returns you earn will be balanced as the average cost is taken into consideration.
SIP's that have been performing well in the past 5 years are as follows:
| Category | Mutual Fund scheme |
|---|---|
| Small Cap and Mid Cap Mutual Funds | Mirae Emerging Blue Chip Fund |
| Small Cap and Mid Cap Mutual Funds | Franklin India Smaller Cos Fund |
| Small Cap and Mid Cap Mutual Funds | UTI Mid Cap Fund |
| Large Cap Mutual Funds | ICICI Focused Blue Chip Fund |
| Large Cap Mutual Funds | UTI Equity Fund |
| Large Cap Mutual Funds | Birla SL Frontline Equity Fund |
| Balanced or Hybrid Funds | ICICI Pru Balanced Fund |
| Balanced or Hybrid Funds | HDFC Balanced Fund |
| Diversified Funds | Franklin High Growth Cos Fund |
| Diversified Funds | ICICI Pru Value Discovery Fund |
UTI Mid Cap Fund(G):
Investment fund objective: The scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of mid cap companies.
AUM (Asset under management): Rs. 3,821 crore as on (Mar-31-2018)
SBI Magnum MidCap Fund-Reg(G):
Investment objective: The scheme aims to provide investors with opportunities for long term growth in capital along with the liquidity of an open-ended scheme by investing predominantly in a well-diversified basket of equity stocks of Midcap companies.
AUM (Asset under management): Rs. 532.89 crore as on (Mar-31-2018)
Reliance Equity Opportunities Fund(G):
Investment objective: The scheme aims to invest in stocks across those sectors and industries where India's strong inherent potential is increasingly becoming visible to the world, which are driving our economy and whose fundamental future growth is influenced by ongoing economic reforms, FDI inflows, and infrastructural changes.
AUM (Asset under management): Rs. 1,312.08 crore as on (Mar-31-2018)
L&T India Value Fund-Reg (G):
Investment objective: The Scheme seeks to generate long term capital appreciation from a diversified portfolio of predominantly equity and equity-related securities, in the Indian markets with higher focus on undervalued securities. It could also additionally invest in Foreign Securities in international markets.
AUM (Asset under management): Rs. 6,510 crore as on (March- 31-2018)
Invesco India Mid N Small Cap Fund(G):
Investment Objective: The scheme seeks to generate capital appreciation by investing predominantly in Equity and Equity Related Instruments across market capitalization.
AUM (Asset under management): Rs. 510.07 as on (Mar-31-2018)
ICICI Pru Value Discovery Fund(G):
Investment Objective: To invest in a well-diversified portfolio of value stocks (those having attractive valuations in relation to earnings or book value or current and/or future dividends).
AUM (Asset under management): Rs. 14,066.47 as on (March-31-2018)
HDFC Mid-Cap Opportunities Fund(G):
Investment Objective: The scheme seeks to provide long-term capital appreciation/income by investing predominantly in Mid-Cap companies.
AUM (Asset under management): Rs. 17, 638 as on (March-31-2018)
Franklin India Prima Fund(G):
Investment Objective: An open-end growth scheme with an objective to provide medium to long term capital appreciation as a primary objective and income as a secondary objective.
AUM (Asset under management): Rs. 5,682.65 as on (Mar-31-2018)
BNP Paribas Mid Cap Fund(G):
Investment Objective: The Scheme is aimed at generating long-term capital appreciation by investing primarily in companies with high growth opportunities in the mid-capitalization segment.
AUM (Asset under management): Rs. 760.73 as on (Mar-31-2018)
Kotak Select Focus Fund(G):
Investment Objective: The scheme seeks to generate capital appreciation from a diversified portfolio of equity and equity related instruments, generally focused on a few selected sectors.
AUM (Asset under management): Rs. 13,158.76 as on (Mar-31-2018)
ICICI Pru Focused BlueChip Eq Fund(G):
Investment Objective: The scheme aims to generate long term capital appreciation and income distribution to investors from a portfolio that is predominantly invested in equity and equity related securities of large cap companies.
AUM (Asset under management): Rs. 12,639.52 as on (Mar-31-2018)
Franklin India Prima Plus Fund(G):
Investment Objective: The scheme is aimed to provide growth of capital and regular dividend from a portfolio of equity, debt and money market instruments and focusing on wealth creating companies across all sectors and market cap ranges.
AUM (Asset under management): Rs. 9,650.87as on (Mar-31-2018)
BNP Paribas Equity Fund(G):
Investment Objective: The scheme seeks to generate long-term capital growth from a diversified and actively managed portfolio of equity and equity related securities by predominantly investing in large market capitalization companies.
AUM (Asset under management): Rs. 881.23 as on (Mar-31-2018)
Birla SL Frontline Equity Fund(G):
Investment Objective: The Scheme seeks to generate long term growth of capital, through a portfolio with a target allocation of 100% equity by aiming at being as diversified across various industries and or sectors as its chosen benchmark index.
AUM (Asset under management): Rs. 15,075.08 as on (Mar-31-2018)
Reliance Tax Saver (ELSS) Fund(G):
Investment Objective: The scheme is aimed at generating long-term capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments.
AUM (Asset under management): Rs. 9,729.27 as on (Mar-31-2018)
Invesco India Tax Plan(G):
Investment Objective: The scheme seeks to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities.
AUM (Asset under management): Rs. 479.08 as on (Mar-31-2018)
ICICI Pru LT Equity Fund (Tax Saving)(G):
Investment Objective: The scheme seeks long-term capital appreciation by investing approximately 90 percent of the investments in equity instruments, and the balance 10 percent would be parked in debt and money market instrument and cash (Including-money at call).
AUM (Asset under management): Rs. 4,658.41 as on (Mar-31-2018)
Axis Long Term Equity Fund(G):
Investment Objective: The scheme focuses on generating regular long term capital growth from a diversified portfolio of equity and equity related securities. The Scheme will invest in companies with strong growth and a sustainable business model.
AUM (Asset under management): Rs. 14,939.31 as on (Mar-31-2018)
IDFC Tax Advt(ELSS) Fund-Reg(G):
Investment Objective: The scheme seeks to build a diversified portfolio comprising of stocks of companies with strong fundamentals that are available at reasonable valuations.
AUM (Asset under management): Rs. 943.06 as on (Mar-31-2018)
Franklin India Taxshield (G):
Objective: This scheme seeks medium to long term growth of capital, with income tax rebate. It invests in equities and there is an exposure to PSU Bonds and debentures and Money Market instruments.
AUM (Asset under management): Rs. 3, 118.09 as on (Mar-31-2018)
BNP Paribas LT Equity Fund(G)
Investment Objective: The scheme aims to generate long-term capital growth from a diversified and actively managed portfolio of equity and equity related securities along with income tax rebate, as may be prevalent from time to time.
AUM (Asset under management): Rs. 568.43 as on (Mar-31-2018)
