Mutual Fund Investment tips 2021 – In today’s article, we are going to talk about Mutual Fund Investment Tips 2021, How to Invest in Mutual Fund, how you can earn a good profit by investing in Mutual Funds. So let’s know about the special tips for investing in mutual funds so that you do not have to face any kind of problem.
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Anyone who invests money in the stock market and is knowing about the stock market must have heard from the mouth of the stock market specialist at some point in time that mutual funds are a good option for investment, where returns are also good. On the other hand, there is no risk of any kind in mutual funds as compared to the stock market or just say that it remains less. But it is also not necessary that everyone should understand the mutual fund market. Therefore, it is very important to know the mutual fund tips before investing in Mutual Fund Investment tips 2021. This will give you some help while investing.
Come, now we know, what is a mutual fund, about mutual fund investment tips 2021 and how many categories mutual funds are divided into, and how much profit you can get in it.
What is Mutual Fund?
Mutual fund companies collect money from investors and whatever money they have collected from investors, they invest it in assets like the stock market, bonds, and government securities. In return, mutual fund companies also charge fees from investors. There are different mutual fund houses in the country that appoint fund managers to make investments. The fund manager has a good knowledge of the market, who invests in such funds with his understanding, in which maximum earning can be done. These companies earn commission from the investors for investing in mutual funds. For those who do not know much or do not have much knowledge about investing in the stock market, mutual funds are a good investment option. Investors can choose the scheme considering their financial sector.
Mutual Fund Investment tips 2021, How to Invest in Mutual funds?
- You can invest directly from the website of any mutual fund like upstox, groww, angel broking, etc. or you can contact any mutual fund advisor.
- If you invest directly from the website of any mutual fund, then you can invest in the direct plan of the mutual fund scheme and if you are investing with the help of an advisor, then you invest in the regular plan.
- And if you are thinking of investing directly then you have to go to the website of that mutual fund. You can also go to his office with your documents.
- The advantage of investing in a direct plan is that you do not have to pay any kind of commission and the returns are very high in long-term investments.
Benefits of investing Mutual Fund 2021
The biggest advantage of mutual funds is that here your investment is managed by the fund manager, who has good knowledge of the stock market. In this way, your money is invested in such stocks, where there is no possibility of loss.
In such a situation, he invests your money wisely, where the return is expected to be good. Whereas, your portfolio gets diversified through mutual funds. Because here money is invested in many stocks, not just one share. Due to this, if there is a risk in one, then it gets covered in the other. Investors’ money in mutual is also invested in debt funds so that even if there is volatility in the market, the money remains safe and if you invest in the ELSS category then you can also avoid paying tax.
Types of Mutual Funds (Mutual Fund Investment tips 2021)
*Growth/Equity Mutual Funds- In equity mutual funds(Mutual Fund Investment tips), the bulk of the money is invested inequities. For this reason, the danger in it is also more. In this scheme, investors are given two options, either they choose the dividend scheme or the capital growth. They can also change this option later. This is a good option for long-term investment. The average return of 10 years in these mutual funds can be 12 to 15 percent.
Category: Largecap Fund, Multicap Fund, Large & Midcap Fund, Midcap Fund, Smallcap Fund, ELSS, Sectoral Fund
*Debt/Income Schemes- Debt funds can be a better option for those who do not want to take much risk and want a regular and stable income. Most of the money in this scheme is invested in bonds, debentures of companies, and government securities. Since all these are like debt, hence market volatility has no effect on it. All these options provide a regular income to the investors and in comparison to equities, the income is less but the risk is less. The average return of 10 years in these mutual funds(Mutual Fund Investment tips) can be 8 to 10 percent.
Category: Ultra Short Duration Fund, Short Duration Fund, Medium Duration Fund, Long Duration Fund, Liquid Fund
*Balanced Fund/Hybrid Scheme- As the name suggests, these funds are balanced. These funds invest in both equity and debt. So that along with increasing the income of the investors, they also get regular income. It is already told in this document, how much of your money will be invested in which scheme. This is usually a 40:60 ratio. Talking about this segment, the average return in the last 10 years can be in double digits.
*Solution-Oriented Scheme- This Mutual Funds scheme is meant for small investors. These can be goals like retirement schemes or a child’s education. You need to invest in these schemes for at least five years.
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