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What is Mutual Fund?

Mutual Fund is an investment tool that pools investor’s money and invests the same into various shares, securities, bonds, etc. In simple terms, it is an instrument that collects money from a large number of investors who share a common investment objective and invests in equities, bonds, and other securities under the guidance of a professional fund manager. There are numerous mutual fund schemes investing into shares and securites of different companies as per their holding portfolio so designed by the designated fund manager.The term ‘Mutual Fund’ is very vast but for investor’s convenience it is classified into two i.e. Equity Funds and Debt Funds.

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What are Mutual Funds

What are Mutual Funds?

A mutual fund is an investment that pools investment from investors and invests in equities, bonds, authorities’ securities, gold, and other belongings. Companies that qualify for Asset Management Companies (AMCs) or Fund Houses pool investors' money, manage investments and allow investor transactions.

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Method to Invest in Mutual Funds

Systematic and Lumpsum Investment

Systematic Investment Plan (SIP):

Significance, Advantages, and How It Works?
We have fantasies about purchasing a vehicle, dream house, devices, and so forth. This all can come to the real world on the off chance that we have areas of strength for planning. One ideal choice is to begin investing in mutual funds through a SIP investment(Systematic Investment Plan). Thus, please read to know the importance of SIP, how they work and their advantages.
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A lump sum investment is a typical investment strategy for mutual funds. It is a lumpsum investment if you invest much money in a financial instrument in one go rather than different, more modest instalments.
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Classification of Mutual Funds Based on Asset Class

Mutual funds in India are grouped into various classifications given the resource class they invest in.
A few well-known classes are as per the following.

Equity Mutual Funds

Equity Mutual Funds invest at least 65% of their funds in shares of companies listed on the stock exchange. They are extra appropriate as long-term investments (5 years) as shares may be volatile in the long term. They can offer better returns but additionally include extra risk.

Here are some types of equity mutual funds:

Large-cap Funds

Typically, large-cap mutual funds invest in the top 100 companies in India.

Mid-cap Funds

Mid Cap Mutual Funds are equity funds that invest in India's mid-sized companies.

Small-cap Funds

Small Cap equity funds invest in India's smallest companies.

Multi-cap Funds

Equity funds with a "multi cap" designation invest in businesses of varying sizes and industries.

Debt Funds

Debt Funds are a type of Mutual Fund that earns money by lending it to the government and businesses. The duration of the loan and the type of borrower determine the risk level of a Debt Fund.

Let's study some types of debt in mutual funds:

Liquid Funds

Liquid funds are debt funds that lend to businesses for up to 91 days.

Money Market Funds

Money Market Funds are debt funds that lend to businesses for up to a year.

Overnight Funds

Overnight mutual funds are open-ended debt funds that invest in debt instruments that mature

Corporate Bond Funds

Corporate bond funds are debt funds that lend at least 80% of their money to companies

Hybrid Mutual Funds

Hybrid funds invest in a diverse range of asset classes. Most Hybrid Funds invest in equity and debt, though there are funds that invest in additional asset classes such as gold, international equities, and so on.

Let us have a look at some classes

Balanced Hybrid Funds

Balanced hybrid funds, also known as hybrid funds, are a type of mutual fund that invests in a single

Arbitrage Hybrid Funds

Arbitrage funds are a type of hybrid fund that invests in stocks and bonds and takes advantage

Dynamic Asset Allocation

Balance Advantage Funds invest in a combination of stocks and FD-like securities.

Aggressive Hybrid Funds

Aggressive Hybrid Mutual Funds are hybrid funds that invest 65-80% of their total assets in equity

Best SIP Funds

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How to invest in mutual funds?

  • Open a demat account
  • Register yourself with RKFS, and you will get access to the SANJHI POONJI MUTUAL fund app by RKFS.
  • Select fund.
  • Enter the amount to be invested.
  • Choose the investment type: one-time (Lumpsum) or SIP.
  • Just click the button invest now, and you are all set.
  • Track all your investments.


Latest Blogs Mutual Funds


Regarding mutual funds, an investor can bring two potential ways to earn profit 1) from dividends on stocks and 2) by cost increment of the stock.

Hypothetically, yes. Yet, assuming you stay invested for longer, the chance of incurring loss is very low.

An investor must sign into his web-based mutual fund account, press the redemption button, confirm the exchange, and inform the depository if the holdings are in dematerialised form. The redemption money will be credited to his registered bank account after completion.

Putting money into mutual funds is to procure better yields than conventional investments. These better yields are primarily a result of greater market openness and the expert fund from the executives. It is very easy to start investing through a systematic investment plan. (SIP)with a very small amount.

As a matter of some importance, an investor should figure out his risk limit and survey monetary objectives. This course of recognising how much risk one can take is called id important. The next stage is fund selection - when the profile is recognised, the investment should be diversified between different fund classes. One can look at mutual funds considering the investment goal and past execution.

Stocks are, by and large, more hazardous than mutual funds; when an investor pools in a ton of stocks in a mutual fund or securities in a security fund, mutual funds diminish the risk of money management. It brings down the risk on account of expansion. Consequently, numerous investors feel that mutual funds give the advantages of stock money management with less risk.

Disclaimer: Fund Names Are as Per the Data Provided by Investwell Inc, Which is Our Service Provider for Sanjhi Poonji Mutual Fund App. Kindly Note That the Top Fund Are Subject to Market Changes. For More Updations Kindly Register/login on Sanjhi Poonji App or Website Login.

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