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A mutual fund is a type of investment where a group of investors collectively pool their money to create a large, diversified portfolio managed by fund managers. Instead of buying individual stocks or bonds, investors purchase units of the mutual fund, using the combined capital to invest in a wide range of assets.
This collective approach not only simplifies the mutual fund investment process but also offers the benefits of professional management and diversification, making it an attractive option for both new and seasoned investors.
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To start investing in mutual funds, begin by identifying your investment goals and risk appetite. Based on this, choose a suitable mutual fund scheme. You can invest either through a Systematic Investment Plan (SIP) or a lump sum amount. Regularly review your portfolio and make necessary adjustments to align with your financial goals.
Mutual funds are regulated and considered relatively safe, but they are not risk-free. Since they invest in market-linked products like equities and bonds, they are subject to market fluctuations. Diversifying your investments can help reduce overall risk.
NAV, or Net Asset Value, is the per-unit price of a mutual fund scheme. It is calculated as: (Total Assets – Total Liabilities) / Total Outstanding Units. NAV helps investors determine the price at which they buy or sell units of a mutual fund.
Mutual funds can be classified in two ways:
Based on maturity: Open-ended funds, close-ended funds, and interval funds.
Based on asset allocation: Equity funds, debt funds, hybrid funds, etc.
Based on expense ratio: Regular funds and direct funds
To choose the right mutual fund, evaluate its past performance and compare it with similar schemes. Consistent returns over time and strong fund management are key factors to consider before investing.