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A guide to understanding mutual fund schemes before investing

Vishakha Srivastava by Vishakha Srivastava
October 29, 2024
in Finance
A guide to understanding mutual fund schemes before investing
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Mutual fund schemes have become a popular investment avenue for individuals looking to grow their wealth. However, with a wide range of schemes available, it can be overwhelming to choose the right one. This guide aims to provide you with a comprehensive understanding of mutual fund schemes, enabling you to make informed investment decisions.

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What are Mutual Fund Schemes?

Mutual fund schemes are collective investment vehicles in which a group of investors pool their money to invest in a diversified portfolio of securities. A professional fund manager manages these schemes, making investment decisions on behalf of the investors.

Types of Mutual Fund Schemes

Mutual fund schemes can be broadly classified into the following categories:

  • Equity Funds: These schemes primarily invest in stocks, aiming to generate capital appreciation. They are suitable for investors with a higher risk appetite and a longer investment horizon.
  • Debt Funds: These schemes invest in debt securities such as bonds, government securities, and corporate debentures. They offer a relatively stable income stream and are suitable for investors seeking moderate returns with lower risk.
  • Hybrid Funds: These schemes invest in a combination of equity and debt securities, offering a balance of growth and stability. They are suitable for investors who want to diversify their portfolios and manage risk.
  • Index Funds: These schemes track a specific market index, such as the Nifty 50 or Sensex. They offer low-cost diversification and are suitable for investors who believe in passive investing.

Key Terms to Understand

  • NAV (Net asset value): The value of a mutual fund unit is calculated by dividing the total assets of the fund by the total number of units.
  • Expense ratio: The annual fee charged by a mutual fund to cover its operating expenses.
  • Lock-in period: The minimum period during which an investor cannot withdraw their money from a mutual fund.
  • Exit load: A fee charged when an investor redeems their mutual fund units.
  • SIP (Systematic investment plan): A disciplined investment approach where a fixed amount is invested in a mutual fund at regular intervals.

How to Invest in Mutual Funds Online

Investing in mutual funds online has become increasingly popular due to its convenience and accessibility. Here’s a step-by-step guide:

  1. Choose a Reputable Trading Platform: Select a reliable trading platform in India that offers a wide range of mutual fund schemes.
  2. Open an Account: Register on the platform and provide the necessary documentation.
  3. Fund Your Account: Transfer funds from your bank account to your trading account.
  4. Choose a Scheme: Select the mutual fund scheme that best suits your investment goals and risk tolerance.
  5. Place an Order: Submit your investment order, specifying the amount you want to invest.

Conclusion

Investing in mutual funds can be a powerful tool for building wealth. However, understanding the nuances of different schemes is essential for making informed investment decisions. Ventura offers a diverse range of mutual fund options. Their user-friendly interface, competitive pricing, and dedicated customer support make investing simple and efficient. Explore their website for more information!

Tags: Fund TypesInvestment GuideMutual Funds
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Vishakha Srivastava

Vishakha Srivastava

Seasoned Digital Marketing Professional | Manage Business Development Operations at TFI Media

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