Thursday, December 15, 2016
by
Indian Real Estate News
Mutual funds provide solutions to almost all kinds of investment needs.
Mutual funds do not offer any guaranteed returns. Depending on the time horizon of your needs, you can choose liquid funds or debt funds or equity-oriented funds.
If you need this money back within a year, invest the same in liquid funds. For any time horizon of less than three years, you can choose debt funds. You can expect more or less the same returns as of your fixed deposits from fixed income funds.
If your time horizon is more than three years, you can look at balanced funds or equity funds depending on your risk profile. Many think SIP is to generate higher return. SIP helps reduce the average cost over a longer period of time and thus moderates risk. You can choose to invest in diversified equity-oriented mutual funds through SIP for a longer term, say 30 years, to funding your financial goals. You can target to save 20-30% of your income.
All your investments are in mid cap-oriented schemes. Generally, people pick funds based on the past performance and go overweight on a particular theme. In times of volatility, these people fade away from the market. This is not the right approach.
If you don't have the appetite for higher volatility, do not opt for mid-cap schemes.There is no point in dividing money among four mid-cap funds as well. If you want to diversify, you need to have one or two large cap, one or two mid -cap and one or two multi-cap funds. Restrict your MF schemes to a number where you can track easily. Else, map schemes to your life goals so that you will have more clarity during the testing times.
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