{"id":12540,"date":"2021-10-26T07:01:18","date_gmt":"2021-10-26T07:01:18","guid":{"rendered":"https://www.5paisa.com/finschool/?post_type=markets\u0026#038;p=12540"},"modified":"2024-06-12T17:38:56","modified_gmt":"2024-06-12T12:08:56","slug":"mutual-funds-classification","status":"publish","type":"markets","link":"https://www.5paisa.com/finschool/course/mutual-fund-course/mutual-funds-classification/","title":{"rendered":"Learn About Classification of Mutual Funds From Mutual Fund Course"},"content":{"rendered":"\u003cdiv data-elementor-type=\u0022wp-post\u0022 data-elementor-id=\u002212540\u0022 class=\u0022elementor elementor-12540\u0022\u003e\u003csection class=\u0022elementor-section elementor-top-section elementor-element elementor-element-23ba90b elementor-section-full_width tab_container elementor-section-height-default elementor-section-height-default\u0022 data-id=\u002223ba90b\u0022 data-element_type=\u0022section\u0022\u003e\u003cdiv class=\u0022elementor-container 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https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Based-on-Structure-100x92.png 100w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Based-on-Structure-150x138.png 150w\u0022 sizes=\u0022(max-width: 1126px) 100vw, 1126px\u0022 /\u003e\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003eभारतात, म्युच्युअल फंडला त्यांच्या इन्व्हेस्टिंग स्ट्रक्चरवर आधारित तीन प्रकारांमध्ये वर्गीकृत केले जाते, म्हणजेच ओपन-एंडेड किंवा क्लोज्ड-एंडेड किंवा इंटरवल फंड. ओपन एंडेड आणि क्लोज्ड एंडेड फंडमधील फरक इन्व्हेस्टमेंटची लवचिकता आणि ते किती सहजपणे खरेदी केले जाऊ शकतात यावर आधारित आहे. ओपन एंडेड फंड कोणत्याही वेळी खरेदी आणि विकले जाऊ शकतात, परंतु क्लोज्ड एंडेड फंड केवळ त्याच्या परिचयाच्या वेळीच खरेदी केले जाऊ शकतात आणि फंडचा इन्व्हेस्टमेंट कालावधी संपल्यानंतरच रिपेड केले जाऊ शकतात.\u003c/p\u003e\u003ch3\u003e\u003cstrong\u003eक्लोज एंडेड फंड\u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003eक्लोज्ड एंडेड म्युच्युअल फंड स्कीममध्ये सहभाग निश्चित कालावधीसाठी लॉक-इन केला जातो. क्लोज एंडेड प्लॅन्स केवळ नवीन फंड ऑफर कालावधी (एनएफओ) दरम्यान सबस्क्राईब केले जाऊ शकतात आणि लॉक-इन कालावधी किंवा फंड टर्म कालबाह्य झाल्यानंतरच युनिट रिडीम केले जाऊ शकते.\u003c/li\u003e\u003cli\u003eयाचा अर्थ असा की नवीन इन्व्हेस्टर प्रवेश करू शकत नाहीत किंवा स्कीमच्या कालावधीपर्यंत विद्यमान इन्व्हेस्टर बाहेर पडू शकत नाहीत. तथापि, इन्व्हेस्टर्सना टर्म पूर्वी बाहेर पडण्यासाठी प्लॅटफॉर्म प्रदान करण्यासाठी, फंड हाऊस स्टॉक एक्सचेंजवर त्यांच्या क्लोज्ड-एंडेड स्कीमची यादी देतात.\u003c/li\u003e\u003cli\u003eस्टॉक एक्सचेंजवर ट्रेडिंग इन्व्हेस्टरला कंपनीच्या शेअर्सचे ट्रान्झॅक्शन करताना ब्रोकरद्वारे युनिट्स खरेदी आणि विक्री करण्यास सक्षम करते. फंडच्या भविष्यातील कामगिरी आणि संभाव्यतेच्या इन्व्हेस्टरच्या अपेक्षांनुसार युनिट्स प्रीमियम किंवा डिस्काउंटवर एनएव्ही साठी ट्रेड करू शकतात. फंड युनिट्सची मागणी आणि पुरवठा आणि इतर मार्केट घटक देखील त्यांच्या किंमतीवर परिणाम करतात.\u003c/li\u003e\u003cli\u003eस्टॉक एक्सचेंजवर ट्रेडिंगच्या परिणामी क्लोज्ड-एंडेड फंडच्या थकित युनिट्सची संख्या बदलत नाही. एक्सचेंजवर लिस्ट करण्याव्यतिरिक्त, हे फंड कधीकधी युनिट परत खरेदी करण्याची ऑफर देतात, अशा प्रकारे लिक्विडिटीसाठी आणखी एक मार्ग ऑफर करतात\u003c/li\u003e\u003cli\u003eकाही क्लोज्ड एंडेड फंड, तथापि, लॉक-इन कालावधी कालबाह्य झाल्यानंतर ओपन एंडेड होतात किंवा एएमसी मॅच्युरिटी टर्म नंतर क्लोज्ड एंडेड फंडची ॲसेट्स दुसऱ्या ओपन एंडेड फंडमध्ये ट्रान्सफर करू शकतात. तथापि, यासाठी क्लोज्ड एंडेड फंडच्या शेअरहोल्डर्सची मंजुरी आवश्यक आहे.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eओपन एंडेड फंड\u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003eओपन एंडेड फंड हे वास्तवात येते की ते नेहमीच इन्व्हेस्टमेंट आणि रिडेम्पशनसाठी उपलब्ध असतात. भारतात, ओपन एंडेड फंड हा सर्वात लोकप्रिय प्रकारचा म्युच्युअल फंड आहे. या फंडमध्ये कोणतीही लॉक-इन वेळ किंवा मॅच्युरिटी तारीख नाही, त्यामुळे ते नेहमीच उपलब्ध असतात. प्रॅक्टिसमध्ये, ओपन एंडेड फंडमध्ये सार्वजनिक (एयूएमच्या संदर्भात) कडून स्वीकारू शकणाऱ्या पैशांच्या रकमेवर कोणतीही कमाल मर्यादा नाही. प्रत्येक दिवसाच्या समाप्तीनंतर पोर्टफोलिओमधील सिक्युरिटीजच्या मूल्यावर आधारित ओपन एंडेड फंडमध्ये एनएव्ही दररोज निर्धारित केला जातो. सामान्यपणे, या फंडला इन्व्हेस्ट करण्याची अनुमती नाही.\u003c/li\u003e\u003cli\u003eओपन एंडेड किंवा क्लोज्ड एंडेड म्युच्युअल फंड चांगले आहेत का हे लोक नियमितपणे विचारतात. सामान्यपणे- ओपन एंडेड फंड हा एक चांगला पर्याय आहे कारण ते तुम्हाला जेव्हा हवे तेव्हा तुमच्या अतिरिक्त आणि लिक्विडिटीवर आधारित इन्व्हेस्ट करण्याची परवानगी देतात. ओपन एंडेड फंड हा देखील एक प्राधान्यित पर्याय आहे कारण तुम्ही लहान रकमेसह खरेदी करू शकता आणि तुमचे फायनान्शियल उद्दिष्ट पूर्ण करण्यासाठी एसआयपीद्वारे वेळेनुसार इन्व्हेस्ट करू शकता. हे ओपन एंडेड आणि क्लोज्ड एंडेड म्युच्युअल फंड दरम्यान मोठ्या प्रमाणात बदल आहेत, जे ओपन एंडेड म्युच्युअल फंडला वरच्या बाजूने देतात.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eइंटरवल फंड\u003c/strong\u003e\u003c/h3\u003e\u003cp\u003eThese schemes are a cross between an open-ended and a close-ended structure. These schemes are open for both purchase and redemption during pre-specified intervals (viz. monthly, quarterly, annually etc.) at the prevailing NAV based prices. Interval funds are very similar to close-ended funds, but differ on the following points:-\u003c/p\u003e\u003cul\u003e\u003cli\u003eThey are not required to be listed on the stock exchanges, as they have an in-built redemption window.\u003c/li\u003e\u003cli\u003eThey can make fresh issue of units during the specified interval period, at the prevailing NAV based prices.\u003c/li\u003e\u003cli\u003eMaturity period is not defined.\u003c/li\u003e\u003c/ul\u003e\u003cp\u003eInterval funds have a unique feature of investing in illiquid assets which are not listed on exchanges. These assets may be in the form of forestry tracts, private assets, commercial property and business loans. Investors who are looking to get exposure to such unconventional assets may think of investing in Interval Funds.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\u0027text_slider_slide02\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027Based-On-Investment-Objective\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:398px; \u0027\u003e\u003ch2 style=\u0022text-align: left\u0022\u003e\u003cstrong\u003e3.2 Based On Investment Objective\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003ch3 style=\u0022text-align: left\u0022\u003e\u003cimg decoding=\u0022async\u0022 class=\u0022aligncenter wp-image-48833 size-full\u0022 src=\u0022https://www.5paisa.com/marathi/finschool/wp-content/uploads/2021/10/Based-on-Investment-Objective.png\u0022 alt=\u0022\u0022 width=\u00221105\u0022 height=\u0022782\u0022 srcset=\u0022https://www.5paisa.com/marathi/finschool/wp-content/uploads/2021/10/Based-on-Investment-Objective.png 1105w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Based-on-Investment-Objective-300x212.png 300w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Based-on-Investment-Objective-1024x725.png 1024w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Based-on-Investment-Objective-768x544.png 768w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Based-on-Investment-Objective-50x35.png 50w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Based-on-Investment-Objective-100x71.png 100w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Based-on-Investment-Objective-150x106.png 150w\u0022 sizes=\u0022(max-width: 1105px) 100vw, 1105px\u0022 /\u003e\u003c/h3\u003e\u003ch3\u003e\u003cspan style=\u0022color: #000080\u0022\u003e\u003cstrong\u003eE\u003c/strong\u003e\u003c/span\u003e\u003cstrong\u003equity Mutual Fund\u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003eA mutual fund that invests mostly in stocks is known as an equity fund. It can be handled actively or passively (through an index fund). Stock funds are another name for equity funds.\u003c/li\u003e\u003cli\u003eIn other perspective, \u003ca href=\u0022https://www.5paisa.com/marathi/mutual-funds/\u0022\u003eम्युच्युअल फंड\u003c/a\u003e that engage largely in stocks are known as equity funds. You put money into the fund in the form of a SIP or a lump sum, and it invests it in various equity stocks on your behalf. The resulting profits or losses in the strategy have an impact on the \u003ca href=\u0022https://www.5paisa.com/marathi/finschool/finance-dictionary/what-is-net-asset-value/\u0022\u003eनेट ॲसेट वॅल्यू\u003c/a\u003e of your fund (NAV).\u003c/li\u003e\u003cli\u003eTo create returns, an equity fund invests primarily in the stocks of various companies. When compared with other types of mutual funds, equity fund investments are associated with a higher level of risk. Furthermore, there is no such thing as a \u0026#8220;one-size-fits-all\u0026#8221; equity fund. There are many different types of equity funds, each with its own investing goal, that must be matched to your risk profile.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eBenefits of Investing In Equity Funds\u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003e\u003ch4\u003e\u003cstrong\u003eInflation-beating returns:\u003c/strong\u003e\u003c/h4\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp style=\u0022padding-left: 40px\u0022\u003eAmong all other investments, equity fund schemes have historically been able to provide market-beating and inflation-beating returns. Most safe investments like \u003ca href=\u0022https://www.5paisa.com/marathi/stock-market-guide/savings-schemes/what-is-a-fixed-deposit\u0022\u003eफिक्स्ड डिपॉझिट\u003c/a\u003e, \u003ca href=\u0022https://www.5paisa.com/marathi/blog/recurring-deposit-interest-rates\u0022\u003eरिकरिंग डिपॉझिट\u003c/a\u003e, etc. offer a rate of interest that provides little to no increase in money value after accounting for inflation.\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003ch4\u003e\u003cstrong\u003eवैविध्यपूर्ण पोर्टफोलिओ:\u003c/strong\u003e\u003c/h4\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp style=\u0022padding-left: 40px\u0022\u003eInvesting in an equity mutual fund scheme means that the investor will hold a huge number of stocks and shares of various companies across different business processes, themes, sectors, etc. Holding a wide variety of stocks in one\u0026#8217;s portfolio ensures that no great losses occur which cannot be offset by gains in another part of the portfolio.\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003ch4\u003e\u003cstrong\u003eकॅपिटल ॲप्रिसिएशन:\u003c/strong\u003e\u003c/h4\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp style=\u0022padding-left: 40px\u0022\u003eAs one of the only few financial products that can provide real market and inflation-beating returns, equity mutual fund schemes are the only real option for those who wish to invest and grow their capital over the medium to long term.\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003ch4\u003e\u003cstrong\u003eलिक्विडिटी:\u003c/strong\u003e\u003c/h4\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp style=\u0022padding-left: 40px\u0022\u003eStocks and shares are traded across all major worldwide exchanges on a daily basis. While not immediately as liquid as withdrawing funds from a savings bank account, the liquidity offered is far higher than most other mutual fund schemes or investment plans.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\u0027text_slider_slide03\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027Types-Of-Equity-Fund\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:398px; \u0027\u003e\u003ch2 style=\u0022text-align: left\u0022\u003e\u003cstrong\u003e3.3 Types Of Equity Fund\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003e\u003cimg decoding=\u0022async\u0022 class=\u0022alignnone wp-image-48834 size-full\u0022 src=\u0022https://www.5paisa.com/marathi/finschool/wp-content/uploads/2021/10/Types-of-Equity-Fund.png\u0022 alt=\u0022Types of Equity Fund\u0022 width=\u00221116\u0022 height=\u00221080\u0022 srcset=\u0022https://www.5paisa.com/marathi/finschool/wp-content/uploads/2021/10/Types-of-Equity-Fund.png 1116w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Types-of-Equity-Fund-300x290.png 300w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Types-of-Equity-Fund-1024x991.png 1024w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Types-of-Equity-Fund-768x743.png 768w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Types-of-Equity-Fund-50x48.png 50w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Types-of-Equity-Fund-100x97.png 100w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Types-of-Equity-Fund-150x145.png 150w\u0022 sizes=\u0022(max-width: 1116px) 100vw, 1116px\u0022 /\u003e\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003ch3\u003e\u003cstrong\u003eइंडेक्स फंड\u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003eIndex Funds are investment vehicles based on stock indices such as the Sensex or the Nifty. These indices are based on the free-float market capitalisation of India\u0026#8217;s largest corporations. The goal of an Index Fund is to replicate the identical profile of the index it is monitoring, for example, a Sensex Index Fund will contain all 30 firms that make up the Sensex in the same ratio of weights as they do in the Sensex.\u003c/li\u003e\u003cli\u003eThe term \u0026#8220;indexing\u0026#8221; refers to a type of passive wealth management. Instead of actively stock selecting and timing the market is, deciding which securities to invest in and when to buy and sell them- a fund portfolio manager develops a portfolio whose holdings mirror those of a specific index. The theory is that by replicating the index\u0026#8217;s profile- the stock market as a whole or a broad section of it- the fund will be able to equal its profitability.\u003c/li\u003e\u003cli\u003eThe bulk of index funds in India focus on the front indexes such as the Nifty, Nifty Next50, SENSEX, and others, which are also used as benchmarks by large-cap mutual funds.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eलार्ज कॅप फंड\u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003eLarge Cap Equity Funds invest a large portion of their corpus in companies with large market capitalization are called large-cap funds. Top 100 stocks by market capitalization are large cap stocks. This type of fund is known to offer stability and sustainable returns, over a period of time. Investors buy stocks or shares in well-known blue-chip firms that use the Nifty as a market index. Investing in large renowned companies ensures low risk while also yielding high rewards.\u003c/li\u003e\u003cli\u003eThese funds have a reputation for providing stable returns. When compared to small or mid-cap corporations, the organizations in which large-cap funds participate are often leaders in their sector of business and hence tend to be more stable when the economies are tumultuous. Large-cap firms often have a proven track record in the market, which is backed up by sound corporate governance.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eमिडकॅप फंड\u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003eMid Cap Mutual Funds are a type of mutual fund that invests in smaller companies. These funds invest in mid-cap firms’ stock and equity-related products. Mid-cap firms, as per the Securities and Exchange Board of India (SEBI), are those that are classified between 101th to 250\u003csup\u003eटीएच\u003c/sup\u003e in terms of market capitalization.\u003c/li\u003e\u003cli\u003eBecause mid-cap companies fall between between small-cap and large-cap enterprises, they have benefits and drawbacks both. Mid-cap funds typically outperform large-cap funds in return, but they are also more unpredictable. They are, on the other hand, more secure than small-cap funds but give lower returns compared to small cap.\u003c/li\u003e\u003cli\u003eIn a nutshell, these funds offer the ideal balance of risk and return. As an owner, you can anticipate significantly better returns if you choose the schemes wisely, with a decent selection of equities, sector diversification, and a skilled fund manager.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eस्मॉल कॅप\u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003eFunds that invest in stocks of smaller-sized companies are called Small cap fund. \u003cstrong\u003eस्मॉल कॅप \u003c/strong\u003eis a term used to classify companies with a relatively \u003cstrong\u003esmall \u003c/strong\u003eमार्केट कॅपिटलायझेशन. However, the definition of \u003cstrong\u003eस्मॉल कॅप \u003c/strong\u003ecan vary among market intermediaries, but it is generally regarded as a company with a market capitalization of less than Rs 100 crores. Many small caps are young companies with significant growth potential.\u003c/li\u003e\u003cli\u003eHowever, the risk of failure is greater with small-cap stocks than with large-cap and mid-cap stocks. As a result, small-cap stocks tend to be the more volatile (and therefore riskier) than large-cap and mid-cap stocks. Historically, small-cap stocks have typically underperformed large-cap stocks during recessions but have outperformed large-cap stocks as the economy has emerged from recessions. The smallest stocks of the small caps are called \u003cstrong\u003emicro-cap\u003c/strong\u003e While the opportunity for these companies to experience extreme growth is great, the risk to lose a large amount of money is also possible\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eMulti Cap Equity Funds \u003c/strong\u003eकिंवा \u003cstrong\u003eDiversified Equity Funds\u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003eInvests in stocks of companies across the stock market regardless of size and sector. These funds provide the benefit of diversification by investing in companies spread across sectors and market capitalisation. They are generally meant for investors who seek exposure across the market and do not want to be restricted to any particular sector. They invest in companies across different market caps and hence reduce the amount of risk in the fund. Diversification helps prevent events that could affect a single sector for affecting the fund, and hence reduce risk.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eEquity Linked Savings Schemes\u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003eThey are diversified equity funds with a lock-in period of 3 years, i.e. you will not be able to redeem units of these schemes for three years from the date of investment. If you are investing in ELSS through Systematic Investment Plan (SIP) then each SIP instalment will be locked in for 3 years. Investments in ELSS of up to Rs 1.5 lakhs are eligible for deduction from your taxable income under Section 80C of Income Tax Act.\u003c/li\u003e\u003cli\u003eYou can save up to Rs 46,800 (not including surcharge) in taxes by investing in ELSS. Historical data shows that ELSS have the potential to give superior returns in the long term compared to other 80C schemes like Public Provident Fund, National Savings Certificates, Tax Saver Bank FDs, Life insurance policies etc, however since ELSS are market linked, they carry higher risk than traditional instruments.\u003c/li\u003e\u003cli\u003eEquity linked savings schemes usually follow multi-cap strategy. The lock-in period works to the advantage of investors because the fund managers have less redemption pressures due to the lock-in, and therefore, can stick longer to their high conviction stocks which have the potential to generate superior returns for investors in the long term. Though ELSS have lock-in period of 3 years, financial advisors recommend longer investment tenures for these funds since they have the potential to give better results over longer investment horizons.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eSectoral Funds\u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003eA sector fund is a type of investment fund that only engages in businesses in a specific industry or sector of the economy.\u003c/li\u003e\u003cli\u003eSector funds invest in companies operating in the fund\u0026#8217;s chosen sector to focus on one section of the market, called as a sector. A sector is made up of one or more businesses that sell the same or similar products. The banking and computing sectors are two examples of common sectors. Apple is in the technology industry, whereas JPMorgan is in the banking sector. Sector funds allow investors to make specific bets on a specific sector list\u0026#8217;s potential for growth.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eSector funds are broadly divided into the following categories\u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003e\u003cstrong\u003eReal Estate Funds\u003c/strong\u003e – allow investors with a limited amount of money to invest in the real estate industry.\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eUtility Funds\u003c/strong\u003e – These funds invest in well-performing utility businesses with the goal of providing consistent dividends.\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eNatural Resources Funds\u003c/strong\u003e – These funds invest in companies that are involved in the oil and gas, energy, forestry, and timber industries.\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eTechnology Funds\u003c/strong\u003e – These funds give investors access to the tech industry.\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eFinancial Funds\u003c/strong\u003e – These are funds that invest largely in companies in the financial sector, such as banks, insurance companies, and accounting firms.\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eCommunications Funds\u003c/strong\u003e – These funds specialise in investing in the telecommunications industry, but they frequently incorporate internet-related businesses as well\u003c/li\u003e\u003cli\u003ePharmaceutical firms, path lab chains, and other for-profit medical facilities are covered by healthcare funds.\u003c/li\u003e\u003cli\u003e\u003cstrong\u003ePrecious Metals Funds\u003c/strong\u003e – These funds provide investors with access to precious metals such as gold, platinum, silver, copper, and mercury.\u003c/li\u003e\u003c/ul\u003e\u003c/div\u003e\u003cdiv id=\u0027text_slider_slide04\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027Debt-Fund\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:398px; \u0027\u003e\u003ch2 style=\u0022text-align: left\u0022\u003e\u003cstrong\u003e3.4 Debt Fund\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003ch3 style=\u0022text-align: left\u0022\u003e\u003cimg loading=\u0022lazy\u0022 decoding=\u0022async\u0022 class=\u0022aligncenter wp-image-48835 size-full\u0022 src=\u0022https://www.5paisa.com/marathi/finschool/wp-content/uploads/2021/10/Debt-Funds.png\u0022 alt=\u0022Debt Funds\u0022 width=\u00221080\u0022 height=\u0022789\u0022 srcset=\u0022https://www.5paisa.com/marathi/finschool/wp-content/uploads/2021/10/Debt-Funds.png 1080w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Debt-Funds-300x219.png 300w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Debt-Funds-1024x748.png 1024w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Debt-Funds-768x561.png 768w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Debt-Funds-50x37.png 50w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Debt-Funds-100x73.png 100w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Debt-Funds-150x110.png 150w\u0022 sizes=\u0022(max-width: 1080px) 100vw, 1080px\u0022 /\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003eDebt fund is a fund that invests in bonds, or other debt securities. They invest in fixed-interest generating securities such as corporate bonds, government securities, treasury bills, commercial paper, and other money market instruments.\u003c/li\u003e\u003cli\u003eThe main reason for investing in debt funds is to earn a steady interest income and capital valuing. In total, the fee ratios on debt funds are lower than those attached with equity. A debt fund provides a gentle but low income relative to equity. It is comparatively less volatile.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eBenefits of investing In Debt fund\u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003e\u003cstrong\u003eImmune from market volatility\u003c/strong\u003e: Unlike equity mutual funds, a debt mutual fund is not subject to market circumstances. Investments are made in securities with a fixed maturity period and rate of interest.\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eलिक्विडिटी\u003c/strong\u003e: Debts funds are highly liquid and one can get a retrieval amount in its own bank account within a period of one day.\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBetter Return\u003c/strong\u003e: One can get decent higher returns than 4% in normal savings bank accounts and normal bank fixed deposits.\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eHelps to achieve investment aim\u003c/strong\u003e: Debt funds have a fixed maturity period and offer low but steady return. If you have a short term investment aim for building a corpus for a forthcoming expense, debt mutual fund is a suitable option.\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eटॅक्सेशन\u003c/strong\u003e: One distinctive feature of debt funds is that mutual fund companies are not likely to deduct any taxes from the earning. Tax liability arises when an investor saves units. Besides, he or she can help reach gains against any other long term or short term losses.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eRisk Associated With Debt Mutual Fund\u003c/strong\u003e\u003c/h3\u003e\u003col\u003e\u003cli\u003e\u003ch4\u003e\u003cstrong\u003eइंटरेस्ट रेट रिस्क\u003c/strong\u003e\u0026#8211;\u003c/h4\u003e\u003c/li\u003e\u003c/ol\u003e\u003cul\u003e\u003cli\u003eInterest rate movement poses a risk to debt MF investors. Interest rates typically rise when the economy is growing, and fall during economic downturns. Bond prices and interest rates are inversely related. When interest rates rise bond prices fall and vice versa. Usually, longer the maturity, greater the degree of price volatility. Interest rate risk is present in all debt funds but the degree could vary. Gilt funds with longer maturity, carry higher interest rate.\u003c/li\u003e\u003cli\u003eThis can be reduced by adjusting the maturity of the debt fund portfolio, i.e. the buyer of the debt paper would buy debt paper of lesser maturity so that when the paper matures, he can buy newer paper with higher interest rates. So, if the investor expects interest rates to rise, he would be better off giving short term loans (when an investor buys a debt paper, he essentially gives a loan to the issuer of the paper). By giving a short-term loan, he would receive his money back in a short period of time.\u003c/li\u003e\u003cli\u003eAs interest rates would have risen by then, he would be able to give another loan (again short term), this time at the new higher interest rates. Thus in a rising interest rate scenario, the investor can reduce interest rate risk by investing in debt paper of extremely short-term maturity.\u003c/li\u003e\u003c/ul\u003e\u003col start=\u00222\u0022\u003e\u003cli\u003e\u003ch4\u003e\u003cstrong\u003eक्रेडिट रिस्क- \u003c/strong\u003e\u003c/h4\u003e\u003c/li\u003e\u003c/ol\u003e\u003cul\u003e\u003cli\u003eThe second risk is known as \u003cstrong\u003eCredit Risk or Risk of Default\u003c/strong\u003e. It refers to the situation where the borrower fails to honour either one or both of his obligations of paying regular interest and returning the principal on maturity.\u003c/li\u003e\u003cli\u003eA bigger threat is that the borrower does not repay the principal. This can happen if the borrower turns bankrupt. This risk can be taken care of by investing in paper issued by companies with very high \u003cstrong\u003eक्रेडिट रेटिंग\u003c/strong\u003e. The probability of a borrower with very high Credit Rating defaulting is far lesser than that of a borrower with low credit rating. Credit rating agencies like CRISIL, ICRA, CARE etc. rate the issuer of the bond on their ability to repay by assessing their overall financial health.\u003c/li\u003e\u003cli\u003eक्रेडिट रेटिंग कालावधीत बदलू शकते. कंपन्यांची कामगिरी मोजली जाते आणि जोखीम मूल्यांकन नियतकालिक अंतराने केले जाते. फंड मॅनेजरला डिफॉल्टची जोखीम नाही परंतु डेब्ट पेपरच्या क्रेडिट रेटिंगमध्ये संभाव्य डाउनग्रेड याविषयी चिंतित असलेली रिस्क आहे. जर डेब्ट पेपर डाउनग्रेड झाले तर अशा इन्स्ट्रुमेंटची मार्केट किंमत देखील कमी होते जी थेट पोर्टफोलिओवर परिणाम करते. दुसऱ्या बाजूला, जर क्रेडिट रेट अपग्रेड केलेला फंड त्याच्या फंड वॅल्यूमध्ये वाढ करून लाभ होईल.\u003c/li\u003e\u003cli\u003eजेव्हा क्रेडिट रिस्कचा विषय येतो तेव्हा सरकारी पेपर सुरक्षेमध्ये अंतिम आहे (म्हणूनच \u0026#39;रिस्क फ्री सिक्युरिटी\u0026#39; वर्णन करा). कारण सरकार कधीही त्यांच्या दायित्वांवर डिफॉल्ट करणार नाही. जर सरकारकडे रोख नसेल (दिवाळखोरीला जाणारी कंपनी सारखीच), तर ते अधिक महसूल कमविण्यासाठी त्याच्या जबाबदाऱ्या पूर्ण करण्यासाठी किंवा कर कायद्यांमध्ये बदल करण्यासाठी अधिक पैसे छापू शकते (ज्यापैकी कोणतेही कॉर्पोरेट करू शकत नाही!).\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eडेब्ट म्युच्युअल फंड स्कीम\u003c/strong\u003e\u003c/h3\u003e\u003ch4\u003e\u003cstrong\u003e1.Fixed Maturity Plans\u003c/strong\u003e\u003c/h4\u003e\u003cul\u003e\u003cli\u003eफिक्स्ड मॅच्युरिटी प्लॅन (एफएमपी) ही एक फिक्स्ड कालावधी म्युच्युअल फंड स्कीम आहे जी स्कीमच्या कालावधीनुसार मॅच्युअर होणाऱ्या डेब्ट इन्स्ट्रुमेंटमध्ये त्याच्या कॉर्पसची इन्व्हेस्टमेंट करते. एफएमपीचा कालावधी काही महिन्यांपासून काही वर्षांदरम्यान बदलू शकतो.\u003c/li\u003e\u003cli\u003eएफएमपीचे उद्दीष्ट इंटरेस्ट रेट सायकलवर कॉल करणे आणि इन्व्हेस्टरला सर्वोत्तम रिटर्न देणारे योग्य साधने निवडणे आहे. एफएमपी केवळ त्यांच्या नवीन फंड ऑफर (एनएफओ) कालावधीदरम्यान इन्व्हेस्टमेंटसाठी उघड आहेत आणि इन्व्हेस्टर केवळ या फंडच्या मॅच्युरिटीवर निर्माण झालेल्या इन्कमसह त्यांचे कॅपिटल रिडीम करू शकतात. तथापि, लिक्विडिटीचा घटक प्रदान करण्यासाठी, एफएमपी स्टॉक एक्सचेंजवर ट्रेडेबल सिक्युरिटीज म्हणून सूचीबद्ध केले जातात, जेणेकरून इन्व्हेस्टर्सकडे स्टॉक एक्सचेंजमध्ये त्यांचे युनिट्स विकून बाहेर पडण्याचा पर्याय असेल.\u003c/li\u003e\u003cli\u003eयोजनेच्या कालावधीसाठी इन्व्हेस्टमेंट करण्यास उत्सुक असलेल्या आणि पर्यायी इन्व्हेस्टमेंट पर्याय शोधणाऱ्या इन्व्हेस्टरसाठी एफएमपी आदर्श आहेत, ज्याचा उद्देश किमान इंटरेस्ट रेट रिस्कसह चांगले पोस्ट-टॅक्स रिटर्न प्रदान करणे आहे\u003c/li\u003e\u003c/ul\u003e\u003ch4\u003e\u003cstrong\u003e2. Gilt funds \u003c/strong\u003e\u003c/h4\u003e\u003cul\u003e\u003cli\u003eगिल्ट फंड हे असे डेब्ट फंड आहेत जे केवळ राज्य आणि केंद्र सरकारद्वारे जारी केलेल्या बाँड्स आणि फिक्स्ड इंटरेस्ट-बेअरिंग सिक्युरिटीजमध्ये इन्व्हेस्ट करतात. ही इन्व्हेस्टमेंट वेगवेगळ्या मॅच्युरिटी असलेल्या इन्स्ट्रुमेंटमध्ये केली जाते. फंड सरकारकडे इन्व्हेस्ट केल्याने, हे फंड नगण्य रिस्क बाळगतात असे म्हटले जाते.\u003c/li\u003e\u003cli\u003eAs per SEBI norms, gilt funds have the mandate to invest at least 80% of their assets in government securities. There are two kinds of gilt funds. One, gilt funds that invest mostly in government securities across maturities. Second, gilt funds with constant maturity of 10 years these funds must invest at least 80% of their assets in government securities with a maturity of 10 years.\u003c/li\u003e\u003cli\u003eWhenever the State or Central Government requires funds, it asks the apex bank of the country \u0026#8211; The Reserve bank of India (RBI) \u0026#8211; which is also the Government\u0026#8217;s banker. RBI collects the required funds from banks and insurance organizations and lends it to the state/central governments. In exchange, the Reserve bank of India issues g-secs or government securities with a fixed tenure. Gilt Funds subscribe to these securities. Once the security matures, the fund returns it and receives a payout.\u003c/li\u003e\u003cli\u003eFor most conservative investors, Gilt funds are a perfect combination of reasonable returns and minimal risks. However, it is important to note that Gilt Funds are affected by the changes in interest rates.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong style=\u0022color: #000000\u0022\u003eBenefits of Gilt Fund\u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003e\u003ch4\u003e\u003cstrong\u003eZero Credit Risk\u003c/strong\u003e\u003c/h4\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp style=\u0022padding-left: 40px\u0022\u003eUnlike mutual funds that invest in corporate bonds where there is always significant credit risk, gilt funds have zero credit risk. This is because the government generally fulfil its obligations. The same is not true in case of corporate bonds.\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003ch4\u003e\u003cstrong\u003eकॅपिटल प्रोटेक्शन\u003c/strong\u003e\u003c/h4\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp style=\u0022padding-left: 40px\u0022\u003eWhile no mutual fund offers 100% capital protection, gilt funds are one of the few that carry minimal risk. Investments are made in government-backed securities, and the chances of any significant capital loss are close to none.\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003ch4\u003e\u003cstrong\u003eInvest in Securities Not Available to Retail Investors\u003c/strong\u003e\u003c/h4\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp style=\u0022padding-left: 40px\u0022\u003eMost of the government securities are unavailable to retail investors. But institutional investors like fund houses are allowed to subscribe to such securities. So, by investing in gilt funds, you get to invest in such government securities indirectly.\u003c/p\u003e\u003ch3\u003e\u003cstrong\u003eकॉर्पोरेट बाँड फंड\u003c/strong\u003e\u003c/h3\u003e\u003cp style=\u0022padding-left: 40px\u0022\u003einvest minimum 80% of their corpus in bonds issued by private companies only. Credit rating plays a crucial role here. While they generate decent returns (7%-8%), investors should be careful of concentration risk.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\u0027text_slider_slide05\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027Hybrid-Fund\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:398px; \u0027\u003e\u003ch2 style=\u0022text-align: left\u0022\u003e\u003cstrong\u003e3.5 Hybrid Fund\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003e\u003cimg loading=\u0022lazy\u0022 decoding=\u0022async\u0022 class=\u0022aligncenter wp-image-48837 size-full\u0022 src=\u0022https://www.5paisa.com/marathi/finschool/wp-content/uploads/2021/10/Hybrid-Funds.png\u0022 alt=\u0022Hybrid Funds\u0022 width=\u0022851\u0022 height=\u00221025\u0022 srcset=\u0022https://www.5paisa.com/marathi/finschool/wp-content/uploads/2021/10/Hybrid-Funds.png 851w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Hybrid-Funds-249x300.png 249w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Hybrid-Funds-768x925.png 768w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Hybrid-Funds-42x50.png 42w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Hybrid-Funds-83x100.png 83w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Hybrid-Funds-150x181.png 150w\u0022 sizes=\u0022(max-width: 851px) 100vw, 851px\u0022 /\u003e\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cul\u003e\u003cli\u003eHybrid funds invest in both debt and equity instruments to achieve diversification and avoid the concentration risk. A perfect blend of the two offers higher returns than a regular debt fund while not being as risky as equity funds.\u003c/li\u003e\u003cli\u003eHybrid funds aim to achieve wealth appreciation in the long-run and generate income in the short-run via a balanced portfolio. The fund manager allocates your money in varying proportions in equity and debt based on the investment objective of the fund. The fund manager may buy/sell securities to take advantage of market movements.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eBenefits Hybrid Funds\u003c/strong\u003e\u003c/h3\u003e\u003cp\u003eFollowing are some of the benefits of balanced funds in India:\u003c/p\u003e\u003cul\u003e\u003cli\u003eInvesting in hybrid funds offers investors the chance to diversify their portfolio as these funds invest in a variety of instruments across equity and debt assets.\u003c/li\u003e\u003cli\u003eInvestments made in hybrid funds permit the fund manager to adjust the fund\u0026#8217;s portfolio according to market conditions.\u003c/li\u003e\u003cli\u003eThey carry lower risk than pure equity mutual funds.\u003c/li\u003e\u003cli\u003eThese mutual funds are designed to automatically re-balance an investor\u0026#8217;s portfolio in the event of extreme market fluctuations. Re-balancing even allows fund managers to sell equity mutual funds to maintain the fund\u0026#8217;s performance and vice versa.\u003c/li\u003e\u003cli\u003eThese funds can offer varying levels of risk tolerance ranging from conservative to moderate and aggressive. There are equity-oriented schemes for the risk-taker and debt-oriented schemes for the risk-averse and the Dynamic Asset Allocation Fund for those who do not want to stick to a fixed Asset allocation but want to move basis market views without taking the calls themselves. Arbitrage for investors who are looking for stable returns in a volatile environment.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eTypes Of Hybrid Mutual Fund\u003c/strong\u003e\u003c/h3\u003e\u003ch4\u003e\u003cstrong\u003e1.Equity-Oriented Hybrid Funds\u003c/strong\u003e\u003c/h4\u003e\u003cp\u003eAn equity-oriented hybrid fund invests at least 65% of its total assets in equity and equity-related instruments of companies across various market capitalizations and sectors. The remaining 35% is invested in debt securities and money market instruments.\u003c/p\u003e\u003ch4\u003e\u003cstrong\u003e2. Debt-Oriented Hybrid Funds\u003c/strong\u003e\u003c/h4\u003e\u003cp\u003eA debt-oriented hybrid fund invests at least 60% of its total assets in fixed-income securities like bonds, debentures, government securities, etc. The remaining 40% is invested in equity. Some funds also invest a small part of their corpus in liquid schemes.\u003c/p\u003e\u003ch4\u003e\u003cstrong\u003e3. \u003c/strong\u003e\u003cstrong\u003eबॅलन्स्ड फंड\u003c/strong\u003e\u003c/h4\u003e\u003cp\u003eThese funds invest a minimum of 65% of their total assets in equity and equity-related instruments and the rest in debt securities and cash. For taxation, they are considered to be equity funds and offer tax exemption on long-term capital gains of up to Rs. 1 lakh. The fixed income component makes it a good option for equity investors as it helps mitigate the volatility of equity investments.\u003c/p\u003e\u003ch4\u003e\u003cstrong\u003e4. \u003c/strong\u003e\u003cstrong\u003eडायनॅमिक बाँड फंड- \u003c/strong\u003e\u003c/h4\u003e\u003cp\u003eThese bond Funds invest in debt securities of different maturity profiles. These funds are actively managed and the portfolio varies dynamically according to the interest rate view of the fund managers. Such funds give the Fund Manager the flexibility to invest in short- or long-term instruments based on his view on the interest rate movement. Dynamic Bond Funds follow an active portfolio duration management approach by keeping a close watch on various domestic and global macro-economic variables and interest rate outlook\u003c/p\u003e\u003ch4\u003e\u003cstrong\u003e5. \u003c/strong\u003e\u003cstrong\u003eMonthly income plan \u003c/strong\u003e\u003c/h4\u003e\u003cp\u003eMonthly Income Plans, known as MIPs, are debt-oriented hybrid mutual funds that give a fixed return every month to the investor. The ratio of equity investments is considerably low, but is just enough to give you an added advantage to the stability of the debt part of the fund. The returns are given out in the form of dividends, and the frequency of payouts will depend on the fund and the investor, it could be monthly, quarterly, half-yearly or annual.\u003c/p\u003e\u003cp\u003eMIPs, like fixed income funds, invest in instruments such as government securities, commercial paper, treasury bills and certificate of deposits. An MIP has to be distinguished from a Monthly Income Scheme (MIS) offered by banks and post offices, which is a type of term deposit plan that offers you small but steady returns until maturity.\u003c/p\u003e\u003cp\u003eThe following are the main features of a Monthly Income Plan:\u003c/p\u003e\u003cul\u003e\u003cli\u003eThe plan consists of 15-25% equity stocks and the rest 75-85% is invested in debt funds. This way, you can combine the profitability of stock markets with the stability of debt instruments.\u003c/li\u003e\u003cli\u003eMIPs come in growth and income options. Growth option works like an equity fund and does not give you regular income, while the income option gives periodic dividend payouts.\u003c/li\u003e\u003cli\u003eYou can choose the equity weightage of your MIP. There are 2 main kinds of plans-MIP Aggressive, with up to 30% equity investments, and MIP conservative, with 15% or less equity portion.\u003c/li\u003e\u003cli\u003eMIPs give higher returns in the 1-to3-year tenure than traditional savings instruments such as fixed deposits, but the risk is higher due to the presence of the equity component.\u003c/li\u003e\u003c/ul\u003e\u003cp\u003eThe objective of these schemes is to provide regular income to the investor by paying dividends; however, there is no guarantee that these schemes will pay dividends every month. Investment in the debt portion provides for the monthly income whereas investment in the equities provides for the extra return which is helpful in minimizing the impact of inflation.\u003c/p\u003e\u003ch4\u003e\u003cstrong\u003e6. Child Benefit Plans \u003c/strong\u003e\u003c/h4\u003e\u003cul\u003e\u003cli\u003eThese are debt oriented funds, with very little component invested into equities. The objective here is to capital protection and steady appreciation as well. Parents can invest in these schemes with a 5 \u0026#8211; 15 year horizon, so that they have adequate money when their children need it for meeting expenses related to higher education.\u003c/li\u003e\u003c/ul\u003e\u003ch4\u003e\u003cstrong\u003e7. \u003c/strong\u003e\u003cstrong\u003eCapital Protection Funds\u003c/strong\u003e\u003c/h4\u003e\u003cul\u003e\u003cli\u003eA mutual fund, categorized under closed-hybrid funds, oriented towards protecting your capital from any market risk with balanced exposure to both equities and debt is known as Capital Protection Fund. Their portfolio is largely inclined towards debt securities. It invests the majority of its assets in highly rated bonds, T-Bills, certificate of deposits and other fixed-income financial vehicles that give assured returns at maturity.\u003c/li\u003e\u003cli\u003eThese funds aim to mitigate risks arising out of economic downturns by focusing predominantly on fixed income securities and debt. This ensures that an investor\u0026#8217;s investment remains protected in addition to being appreciated every year.\u003c/li\u003e\u003cli\u003eThe accrued resources from investors are allocated to equities and debt securities. Around 80-90% of assets are invested in debt, while the remaining is allocated to equities. The amount invested in debt ensures that the principal investment of the investor is recovered at maturity. While the amount invested in equities generate returns for the investor which are generally better than those from Bank Fixed Deposits.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eवैशिष्ट्ये \u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003e\u003cstrong\u003eGuaranteed/Protected principal\u003c/strong\u003e. Most principal-protected funds guarantee the initial investment minus any front-end sales charge even if the stock markets fall.\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eLock-up period.\u003c/strong\u003e The guarantee does not apply if the investor sells any units in the fund prior to the end of the “guarantee period”.\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eHold a mixture of bonds and stocks\u003c/strong\u003e. Most principal-protected funds invest a portion of the fund in zero-coupon bonds and other debt securities, and a portion in equity investments.\u003c/li\u003e\u003c/ul\u003e\u003c/div\u003e\u003cdiv id=\u0027text_slider_slide06\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027Factors-To-Be-Considered-While-Choosing-A-Mutual-Fund-Scheme\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:398px; \u0027\u003e\u003ch2 style=\u0022text-align: left\u0022\u003e\u003cstrong\u003e3.6 Factors To Be Considered While Choosing A Mutual Fund Scheme\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003cimg loading=\u0022lazy\u0022 decoding=\u0022async\u0022 class=\u0022aligncenter wp-image-48839 size-full\u0022 src=\u0022https://www.5paisa.com/marathi/finschool/wp-content/uploads/2021/10/Factors-To-Be-Considered-While-Choosing-A-Mutual-Fund-Scheme.png\u0022 alt=\u0022Factors To Be Considered While Choosing A Mutual Fund Scheme\u0022 width=\u00221072\u0022 height=\u0022972\u0022 srcset=\u0022https://www.5paisa.com/marathi/finschool/wp-content/uploads/2021/10/Factors-To-Be-Considered-While-Choosing-A-Mutual-Fund-Scheme.png 1072w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Factors-To-Be-Considered-While-Choosing-A-Mutual-Fund-Scheme-300x272.png 300w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Factors-To-Be-Considered-While-Choosing-A-Mutual-Fund-Scheme-1024x928.png 1024w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Factors-To-Be-Considered-While-Choosing-A-Mutual-Fund-Scheme-768x696.png 768w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Factors-To-Be-Considered-While-Choosing-A-Mutual-Fund-Scheme-50x45.png 50w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Factors-To-Be-Considered-While-Choosing-A-Mutual-Fund-Scheme-100x91.png 100w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Factors-To-Be-Considered-While-Choosing-A-Mutual-Fund-Scheme-150x136.png 150w\u0022 sizes=\u0022(max-width: 1072px) 100vw, 1072px\u0022 /\u003e\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003ch3\u003e\u003cstrong\u003eटाइम हॉरिझॉन\u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003eThe time horizon is the period for which the investment is to be made. कालावधी 1 दिवसापासून ते 5 वर्षांपेक्षा जास्त असू शकतो. दीर्घकालीन, इक्विटी निवडली पाहिजे आणि अल्पकालीन कर्ज साधनांसाठी निवडले पाहिजे\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eरिस्क सहनशीलता\u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003eरिस्क घेणाऱ्या इन्व्हेस्टरसाठी, स्मॉल कॅप फंड सारखा अस्थिर फंड निवडला जाऊ शकतो आणि रिस्क प्रतिकूल इन्व्हेस्टरसाठी लार्ज कॅप फंड निवडला जाऊ शकतो. म्युच्युअल फंड सेवा देणारी रिस्क क्षमता ओळखण्याचा सर्वोत्तम आणि जलद मार्ग म्हणजे त्याचे रिस्क-ओ-मीटर पाहणे.\u003c/li\u003e\u003cli\u003eA \u003cstrong\u003eरिस्क-ओ-मीटर \u003c/strong\u003eis a graphical representation of the risk involved in a mutual fund.\u003c/li\u003e\u003cli\u003eम्युच्युअल फंड स्कीमची रिस्क लेव्हल त्याच्या स्वत:च्याशी जुळत आहे का हे समजून घेण्यास संभाव्य इन्व्हेस्टरला मदत करते.\u003c/li\u003e\u003c/ul\u003e\u003ch4\u003eIt contains 5 levels of risks \u0026#8211;\u003c/h4\u003e\u003col\u003e\u003cli\u003eकमी\u003c/li\u003e\u003cli\u003eमध्यम कमी\u003c/li\u003e\u003cli\u003eमध्यम\u003c/li\u003e\u003cli\u003eModerately high and\u003c/li\u003e\u003cli\u003eउच्च\u003c/li\u003e\u003c/ol\u003e\u003cp\u003e\u003cimg loading=\u0022lazy\u0022 decoding=\u0022async\u0022 class=\u0022aligncenter wp-image-13038 size-full\u0022 src=\u0022https://www.5paisa.com/marathi/finschool/wp-content/uploads/2021/10/3.3.png\u0022 alt=\u0022\u0022 width=\u0022894\u0022 height=\u0022435\u0022 srcset=\u0022https://www.5paisa.com/marathi/finschool/wp-content/uploads/2021/10/3.3.png 894w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/3.3-300x146.png 300w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/3.3-768x374.png 768w\u0022 sizes=\u0022(max-width: 894px) 100vw, 894px\u0022 /\u003e\u003c/p\u003e\u003ch3\u003e\u003cstrong\u003ePerformance Against Category\u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003eAnother way to find the best mutual fund is to compare its performance against the other schemes in that category. It should be remembered that comparison must be made between the schemes of the same category. For instance, a large cap fund must be compared with other large cap funds and not with small or mid cap funds.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eConsistency of Performance\u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003eA mutual fund should generate good returns for its investors on a regular basis and not just a one off good performance. We should look for a fund that provides decent returns in both bull and bear markets.\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eफंड मॅनेजरचा अनुभव\u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003eThe educational qualification and the duration for which the fund manager has been managing that fund should be considered. His past record should be tracked as well\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eखर्चाचा रेशिओ\u003c/strong\u003e\u003c/h3\u003e\u003cul\u003e\u003cli\u003eThis reflects the fee which is charged by an AMC for the fund management and other costs related to the fund.\u003c/li\u003e\u003cli\u003eNaturally, the investor should choose a fund which has a lower expense ratio compared to other funds provided the returns are consistent.\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cstrong\u003eउदाहरण-\u003c/strong\u003e Lets suppose you have an option of investing in Rs. 50,000 in a fund and want to decide which mutual fund to invest in. First question to ans- are you wanting to invest for long term or short term- lets say you choose long term- then we would go about investing in a Equity Fund. Now within Equity fund-Are you a person who likes taking a very high risk- if no then we would go ahead and invest in a large cap fund. Once this decision is done- lets now select the right fund for the investment.\u003c/p\u003e\u003cp\u003e\u003cimg loading=\u0022lazy\u0022 decoding=\u0022async\u0022 class=\u0022size-full wp-image-15914 aligncenter\u0022 src=\u0022https://www.5paisa.com/marathi/finschool/wp-content/uploads/2021/10/table-3.6.png\u0022 alt=\u0022\u0022 width=\u0022632\u0022 height=\u0022102\u0022 srcset=\u0022https://www.5paisa.com/marathi/finschool/wp-content/uploads/2021/10/table-3.6.png 632w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/table-3.6-300x48.png 300w\u0022 sizes=\u0022(max-width: 632px) 100vw, 632px\u0022 /\u003e\u003c/p\u003e\u003cp\u003eFrom the above table it can be seen that Canara Robeco performs better than Edelweiss on all parameters. Expense ratio is lower and returns both in 1 year and longer tenure is higher than Edelweiss fund.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\u0027text_slider_slide07\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027Risk-Factors-In-Mutual-Fund-Schemes\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:398px; \u0027\u003e\u003ch2 style=\u0022text-align: left\u0022\u003e\u003cstrong\u003e3.7 Risk Factors In Mutual Fund Schemes\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003e\u003cimg loading=\u0022lazy\u0022 decoding=\u0022async\u0022 class=\u0022aligncenter wp-image-48840 size-full\u0022 src=\u0022https://www.5paisa.com/marathi/finschool/wp-content/uploads/2021/10/Risk-Factors-in-Mutual-Fund-Scheme.png\u0022 alt=\u0022Risk Factors in Mutual Fund Scheme\u0022 width=\u00221080\u0022 height=\u0022912\u0022 srcset=\u0022https://www.5paisa.com/marathi/finschool/wp-content/uploads/2021/10/Risk-Factors-in-Mutual-Fund-Scheme.png 1080w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Risk-Factors-in-Mutual-Fund-Scheme-300x253.png 300w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Risk-Factors-in-Mutual-Fund-Scheme-1024x865.png 1024w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Risk-Factors-in-Mutual-Fund-Scheme-768x649.png 768w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Risk-Factors-in-Mutual-Fund-Scheme-50x42.png 50w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Risk-Factors-in-Mutual-Fund-Scheme-100x84.png 100w, https:/www.5paisa.com/finschool/wp-content/uploads/2021/10/Risk-Factors-in-Mutual-Fund-Scheme-150x127.png 150w\u0022 sizes=\u0022(max-width: 1080px) 100vw, 1080px\u0022 /\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eIn a mutual fund scheme, an investor has to understand the various elements of their\u003c/li\u003e\u003cli\u003einvestment which are susceptible to risk. Such elements are known as risk factors, and there are two types of risk factors in a mutual fund \u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eStandard Risk Factors: \u003c/strong\u003e\u003c/h3\u003e\u003cp\u003eThe basic examples of such factors are included in some statements which are issued by AMCs in their advertisements of mutual fund schemes.\u003c/p\u003e\u003ch4\u003e\u003cstrong\u003eSome of these statements include-\u003c/strong\u003e\u003c/h4\u003e\u003cul\u003e\u003cli\u003eInvestment in mutual fund units involves investment risks such as trading volumes,\u003c/li\u003e\u003cli\u003esettlement risks, liquidity risk, default risk including the possible loss of principal.\u003c/li\u003e\u003cli\u003eAs the price, value, interest rates of the securities in which the scheme invests fluctuate, the value of the investment may go up or down.\u003c/li\u003e\u003cli\u003eMutual funds are subject to market risks and there is no guarantee that the Fund\u0026#8217;s objective will be achieved.\u003c/li\u003e\u003cli\u003ePast performance is not a guarantee of future performance.\u003c/li\u003e\u003cli\u003eThe name of the scheme does not indicate either the qualityor its future prospects and returns\u003c/li\u003e\u003c/ul\u003e\u003ch3\u003e\u003cstrong\u003eScheme Specific Risk Factors\u003c/strong\u003e\u003c/h3\u003e\u003cp\u003eThese risks are specific to a scheme, i.e; they do not apply to all mutual fund schemes.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eExamples of scheme specific risks are:\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eThe risk arising from the investment objective of the scheme;\u003c/li\u003e\u003cli\u003eThe risk arising from the investment strategy of the scheme;\u003c/li\u003e\u003cli\u003eThe risk arising from the asset allocation of the scheme; and\u003c/li\u003e\u003cli\u003eThe risk arising from any non-diversification in the 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title=\u0022YouTube video player\u0022 src=\u0022https://www.youtube.com/embed/gUBHXfdNsW0?rel=0\u0022 frameborder=\u00220\u0022 allowfullscreen=\u0022allowfullscreen\u0022\u003e\u003c/iframe\u003e\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e\u003c/section\u003e\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e\u003c/section\u003e\u003c/div\u003e","protected":false},"excerpt":{"rendered":"\u003cp\u003eStudy Slides Videos 3.1 Based On Structure In India, mutual funds are classified into three types based on their investing structure, i.e. open-ended or closed-ended or interval funds. The distinction between open ended and closed ended funds is based on investing flexibility and how easily they may be purchased. While open ended funds can be … \u003ca title=\u0022Learn About Classification of Mutual Funds From Mutual Fund Course\u0022 class=\u0022read-more\u0022 href=\u0022https://www.5paisa.com/marathi/finschool/course/mutual-fund-course/mutual-funds-classification/\u0022 aria-label=\u0022Read more about Learn About Classification of Mutual Funds From Mutual Fund Course\u0022\u003eRead more\u003c/a\u003e\u003c/p\u003e","protected":false},"author":1,"featured_media":21880,"parent":12525,"menu_order":0,"comment_status":"बंद","ping_status":"बंद","template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"class_list":["post-12540","markets","type-markets","status-publish","format-standard","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/markets/12540","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/markets"}],"about":[{"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/types/markets"}],"author":[{"embeddable":true,"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/users/1"}],"replies":[{"embeddable":true,"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/comments?post=12540"}],"version-history":[{"count":18,"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/markets/12540/revisions"}],"predecessor-version":[{"id":55538,"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/markets/12540/revisions/55538"}],"up":[{"embeddable":true,"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/markets/12525"}],"wp:featuredmedia":[{"embeddable":true,"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/media/21880"}],"wp:attachment":[{"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/media?parent=12540"}],"wp:term":[{"taxonomy":"श्रेणी","embeddable":true,"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/categories?post=12540"}],"curies":[{"name":"wp","href":"https://api.w.org/{rel}","templated":true}]}}