Mutual fund investment is becoming everyone's favorite investment scheme today. Investors are attracted to it because of higher returns. But informed decisions are essential for such investments. Many people have no idea how to invest. The return and risk are different for each fund. So let's see which are the best mutual funds for beginners to invest in.
Equity Fund
Guaranteed return plans are the best plan for first-time investors. This is an equity fund for those who want to invest for the long term. These are mutual funds that invest money in shares of companies. People who want to buy a car or house for retirement, children's education or marriage, etc. can opt for this plan. They offer high tax-free returns.
Debt Fund
This is an ideal investment for those who want to invest for a short period of time. Debt funds are less affected by stock market fluctuations. Debt funds earn better returns than bank deposits. Such mutual funds invest in bonds, debentures, fixed deposits and government securities. Interest earned on these investments is earned as profit. At the same time, the risk is less than equity funds. Debt funds include instruments that provide fixed returns. Therefore, it is suitable for those who want to start investing in mutual funds.
Balanced FundBalanced funds are those that invest in both debt and equity funds. Hence they are considered balanced. The risk is low compared to other funds. Hence it is suitable for beginners. Stock market setbacks will not affect such mutual fund much. Only about 40 percent of the balanced funds will be invested in the market.
ഡെറ്റ് ഫണ്ടിലും ഇക്വിറ്റി ഫണ്ടിലും ഒരുപോലെ നിക്ഷേപം നടത്തുന്നവയാണ് ബാലന്‍സ്ഡ് ഫണ്ടുകള്‍. അതിനാൽ തന്നെ ഇവയെ ബാലൻസ്ഡ് ആയി കരുതപ്പെടുന്നു. മറ്റ് ഫണ്ടുകളുമായി താരതമ്യം ചെയ്യുമ്പോള്‍ റിസ്‌ക് കുറഞ്ഞവാണ്. അതുകൊണ്ടുതന്നെ തുടക്കക്കാര്‍ക്ക് അനുയോജ്യവുമാണ്. ഓഹരി വിപണിയിലെ തിരിച്ചടികള്‍ ഇത്തരം മ്യൂച്ച്വല്‍ ഫണ്ടിനെ കാര്യമായി ബാധിക്കില്ല.ബാലന്‍സ്ഡ് ഫണ്ടുകളില്‍ 40 ശതമാനത്തോളം മാത്രമാണ് മാര്‍ക്കറ്റില്‍ നിക്ഷേപിക്കുക.
Liquid funds
Liquid funds are also known as money market. The specialty of such funds is that they can invest in treasury bills and government bonds for a short period of time.
How to invest?
Customers can invest directly in mutual funds. One can directly invest in an asset management company online or through mobile applications. It is also a good idea to check the investment strategy of the funds you are planning to invest in.
