Mutual Fund Products

Mutual funds are evolving as a suitable investment option amongst individual investors. Since they’re convenient to invest in and professionally managed. Investors may choose from a myriad of mutual funds in India. They are largely divided in five major categories.

Filters
  • All Schemes (58)
  • Equity (20)
  • ETF (6)
  • Debt (19)
  • Overnight & Liquid (2)
  • Solution based (4)
  • Hybrid (7)
Risk Metric:
Inception Date:
Investment Purpose:
₹ 43.8065 as of Aug 05, 2022
ETF - Equity
-4.21 %
N/A
UTI Arbitrage Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 28.7346 as of Aug 05, 2022
Hybrid - Arbitrage Fund
3.55 %
5.07 %
Risk Metric:
Inception Date:
Investment Purpose:
₹ 116.5233 as of Aug 05, 2022
Equity - Sectoral
-7.5 %
2.45 %
UTI Banking & PSU Debt Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 17.9174 as of Aug 05, 2022
Debt - Banking & PSU Debt Fund
8.59 %
7.19 %
UTI Bond Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 59.4213 as of Aug 05, 2022
Debt - Medium to Long Duration Fund
15.74 %
5.93 %
A segregated portfolio has been created for Vodafone Idea Ltd. in UTI Bond Fund. The performance of the scheme is affected to the extent of the segregated portfolio.
Risk Metric:
Inception Date:
Investment Purpose:
₹ 6.8146 as of Jan 27, 2022
None
N/A
N/A
Risk Metric:
Inception Date:
Investment Purpose:
₹ 58.4617 as of Aug 05, 2022
Solution Oriented - Children's Fund
-3.5 %
9.69 %
Risk Metric:
Inception Date:
Investment Purpose:
₹ 30.5073 as of Aug 05, 2022
Solution Oriented - Children's Fund
3.27 %
8.54 %
UTI Core Equity Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 98.0161 as of Aug 05, 2022
Equity - Large & Mid Cap Fund
-1.45 %
8.76 %
UTI Corporate Bond Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 13.2995 as of Aug 05, 2022
Open-ended Debt Scheme
2.77 %
6.87 %
UTI Credit Risk Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 13.9163 as of Aug 05, 2022
Debt - Credit Risk Fund
19.8 %
-5.36 %
A segregated portfolio has been created for Altico Capital India Ltd, Vodafone Idea Ltd., Yes Bank Ltd. and Zee Learn Ltd.in UTI Credit Risk Fund. The performance of the scheme is affected to the extent of segregated portfolio. The entire proceeds of Rs. 40.80 Crores have been recovered from Zee Learn Limited on July 14, 2020 and same has been distributed to investors on July 15, 2020.
Risk Metric:
Inception Date:
Investment Purpose:
₹ 0.0000 as of Aug 05, 2022
None
N/A
N/A
Risk Metric:
Inception Date:
Investment Purpose:
₹ 0.0000 as of Mar 10, 2022
None
-19.19 %
N/A
Risk Metric:
Inception Date:
Investment Purpose:
₹ 2.4018 as of Jan 31, 2022
None
N/A
N/A
UTI Dividend Yield Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 102.8242 as of Aug 05, 2022
Equity - Dividend Yield Fund
-2.61 %
10.32 %
UTI Dynamic Bond Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 25.1931 as of Aug 05, 2022
Debt - Dynamic Bond Fund
18.47 %
8.91 %
A segregated portfolio has been created for Vodafone Idea Ltd. in UTI Dynamic Bond Fund. The performance of the scheme is affected to the extent of the segregated portfolio.
Risk Metric:
Inception Date:
Investment Purpose:
₹ 1.2708 as of Jan 27, 2022
None
N/A
N/A
UTI Equity Savings Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 13.3896 as of Aug 05, 2022
Hybrid - Equity Saving
3.59 %
N/A
Risk Metric:
Inception Date:
Investment Purpose:
₹ 241.6018 as of Aug 05, 2022
Equity - Multi Cap Fund
-8.08 %
12.48 %
UTI Floater Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 1231.8572 as of Aug 05, 2022
Open-ended Debt Scheme
2.75 %
5.25 %
UTI Focused Equity Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 10.1494 as of Aug 05, 2022
An open-ended equity scheme investing in maximum 30 stocks across market caps
N/A
N/A
UTI Gilt Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 50.5039 as of Aug 05, 2022
Debt - Gilt Fund
1.3 %
5.34 %
Risk Metric:
Inception Date:
Investment Purpose:
₹ 10.0162 as of Aug 05, 2022
Debt - Gilt Fund
N/A
N/A
Risk Metric:
Inception Date:
Investment Purpose:
₹ 44.9193 as of Aug 05, 2022
ETF - Commodity
8.21 %
12.52 %
UTI Healthcare Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 148.4461 as of Aug 05, 2022
Equity - Sectoral
-15.22 %
10.64 %
UTI Hybrid Equity Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 251.6470 as of Aug 05, 2022
Hybrid - Aggressive Hybrid Fund
3.13 %
8.13 %
UTI India Consumer Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 39.5571 as of Aug 05, 2022
Equity - Thematic
0.58 %
8.58 %
UTI Infrastructure Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 77.7046 as of Aug 05, 2022
Equity - Thematic
-1.33 %
6.42 %
UTI Liquid Cash Plan Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 3518.4266 as of Aug 07, 2022
Debt - Liquid Fund
3.58 %
4.09 %
Risk Metric:
Inception Date:
Investment Purpose:
₹ 140.6834 as of Aug 05, 2022
Equity - ELSS
-2.86 %
9.9 %
UTI MNC Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 278.2901 as of Aug 05, 2022
Equity - Thematic
0.24 %
7.96 %
UTI Mastershare Unit Scheme Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 190.9501 as of Aug 05, 2022
Equity - Large Cap Fund
-1.11 %
10.64 %
UTI Medium Term Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 14.9837 as of Aug 05, 2022
Debt - Medium Term Fund
4.77 %
3.14 %
A segregated portfolio has been created for Vodafone Idea Ltd., Yes Bank Ltd. and Zee Learn Ltd.in UTI Medium Term Fund. The performance of the scheme is affected to the extent of segregated portfolio. The entire proceeds of Rs. 3.40 Crores have been recovered from Zee Learn Limited on July 14, 2020 and same has been distributed to investors on July 15, 2020.
Risk Metric:
Inception Date:
Investment Purpose:
₹ 0.3488 as of Jan 27, 2022
None
N/A
N/A
UTI Mid Cap Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 185.7230 as of Aug 05, 2022
Equity - Mid Cap Fund
0.17 %
11.09 %
UTI Money Market Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 2500.3698 as of Aug 05, 2022
Debt - Money Market Fund
3.81 %
5.15 %
UTI Multi Asset Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 44.0774 as of Aug 05, 2022
Hybrid - Multi Asset Allocation
-2.36 %
5.17 %
UTI Nifty 50 ETF Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 1845.7916 as of Aug 05, 2022
ETF - Equity
1.61 %
11.9 %
UTI Nifty 50 Index Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 116.6891 as of Aug 05, 2022
Equity - Index
1.31 %
11.65 %
UTI Nifty Bank ETF Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 38.1753 as of Aug 05, 2022
Open-Ended Scheme replicating/tracking Nifty Bank Index
-3.38 %
N/A
Risk Metric:
Inception Date:
Investment Purpose:
₹ 9.7579 as of Aug 05, 2022
An open-ended scheme replicating/tracking Nifty Midcap 150 Quality 50 TRI
N/A
N/A
UTI Nifty Next 50 Index Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 14.8866 as of Aug 05, 2022
Equity - Index
-4.9 %
N/A
Risk Metric:
Inception Date:
Investment Purpose:
₹ 12.3478 as of Aug 05, 2022
An Open-Ended Scheme replicating/tracking the Nifty200 Momentum 30 Index
-8.27 %
N/A
UTI Overnight Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 2926.3384 as of Aug 07, 2022
Debt - Overnight Fund
3.43 %
3.63 %
Risk Metric:
Inception Date:
Investment Purpose:
₹ 3.8396 as of Jan 27, 2022
None
N/A
N/A
UTI Regular Savings Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 52.0307 as of Aug 05, 2022
Hybrid - Conservative Hybrid Fund
5.23 %
7.38 %
A segregated portfolio has been created for Vodafone Idea Ltd. in UTI Regular Savings Fund. The performance of the scheme is affected to the extent of the segregated portfolio.
Risk Metric:
Inception Date:
Investment Purpose:
₹ 34.8218 as of Aug 05, 2022
Solution Oriented - Retirement Fund
4.4 %
9.44 %
Risk Metric:
Inception Date:
Investment Purpose:
₹ 10.7944 as of Aug 05, 2022
An open-ended scheme replicating/tracking S&P BSE Low Volatility TRI
N/A
N/A
UTI S&P BSE Sensex ETF Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 617.8246 as of Aug 05, 2022
ETF - Equity
2.17 %
12.64 %
Risk Metric:
Inception Date:
Investment Purpose:
₹ 10.1569 as of Aug 05, 2022
An open-ended scheme replicating/tracking the S&P BSE Sensex Index
N/A
N/A
Risk Metric:
Inception Date:
Investment Purpose:
₹ 50.8427 as of Aug 05, 2022
Open-ended Equity Scheme
-0.77 %
N/A
UTI Short Term Income Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 25.7166 as of Aug 05, 2022
Debt - Short Duration Fund
7.53 %
8.2 %
UTI Small Cap Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 15.1194 as of Aug 05, 2022
An open-ended equity scheme predominantly investing in small-cap stocks.
5.35 %
N/A
Risk Metric:
Inception Date:
Investment Purpose:
₹ 150.9058 as of Aug 05, 2022
Equity - Sectoral
11.21 %
4.49 %
UTI Treasury Advantage Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 2889.9747 as of Aug 05, 2022
Debt - Low Duration Fund
8.72 %
7.35 %
UTI Ultra Short Term Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 3499.3634 as of Aug 05, 2022
Debt - Ultra Short Duration Fund
6.0 %
5.47 %
Risk Metric:
Inception Date:
Investment Purpose:
₹ - as of
Solution based Funds - Investment cum Insurance
0.7 %
7.99 %
UTI Value Opportunities Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
₹ 99.4922 as of Aug 05, 2022
Equity - Value Fund
-1.9 %
11.15 %
Risk Metric:
Inception Date:
Investment Purpose:
ETF - Equity
₹ 43.8065
-4.21 %
N/A
UTI Arbitrage Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Hybrid - Arbitrage Fund
₹ 28.7346
3.55 %
5.07 %
Risk Metric:
Inception Date:
Investment Purpose:
Equity - Sectoral
₹ 116.5233
-7.5 %
2.45 %
UTI Banking & PSU Debt Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Banking & PSU Debt Fund
₹ 17.9174
8.59 %
7.19 %
UTI Bond Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Medium to Long Duration Fund
₹ 59.4213
15.74 %
5.93 %
Risk Metric:
Inception Date:
Investment Purpose:
None
₹ 6.8146
N/A
N/A
Risk Metric:
Inception Date:
Investment Purpose:
Solution Oriented - Children's Fund
₹ 58.4617
-3.5 %
9.69 %
Risk Metric:
Inception Date:
Investment Purpose:
Solution Oriented - Children's Fund
₹ 30.5073
3.27 %
8.54 %
UTI Core Equity Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Equity - Large & Mid Cap Fund
₹ 98.0161
-1.45 %
8.76 %
UTI Corporate Bond Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Open-ended Debt Scheme
₹ 13.2995
2.77 %
6.87 %
UTI Credit Risk Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Credit Risk Fund
₹ 13.9163
19.8 %
-5.36 %
Risk Metric:
Inception Date:
Investment Purpose:
None
₹ 0.0000
N/A
N/A
Risk Metric:
Inception Date:
Investment Purpose:
None
₹ 0.0000
-19.19 %
N/A
Risk Metric:
Inception Date:
Investment Purpose:
None
₹ 2.4018
N/A
N/A
UTI Dividend Yield Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Equity - Dividend Yield Fund
₹ 102.8242
-2.61 %
10.32 %
UTI Dynamic Bond Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Dynamic Bond Fund
₹ 25.1931
18.47 %
8.91 %
Risk Metric:
Inception Date:
Investment Purpose:
None
₹ 1.2708
N/A
N/A
UTI Equity Savings Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Hybrid - Equity Saving
₹ 13.3896
3.59 %
N/A
Risk Metric:
Inception Date:
Investment Purpose:
Equity - Multi Cap Fund
₹ 241.6018
-8.08 %
12.48 %
UTI Floater Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Open-ended Debt Scheme
₹ 1231.8572
2.75 %
5.25 %
UTI Focused Equity Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
An open-ended equity scheme investing in maximum 30 stocks across market caps
₹ 10.1494
N/A
N/A
UTI Gilt Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Gilt Fund
₹ 50.5039
1.3 %
5.34 %
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Gilt Fund
₹ 10.0162
N/A
N/A
Risk Metric:
Inception Date:
Investment Purpose:
ETF - Commodity
₹ 44.9193
8.21 %
12.52 %
UTI Healthcare Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Equity - Sectoral
₹ 148.4461
-15.22 %
10.64 %
UTI Hybrid Equity Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Hybrid - Aggressive Hybrid Fund
₹ 251.6470
3.13 %
8.13 %
UTI India Consumer Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Equity - Thematic
₹ 39.5571
0.58 %
8.58 %
UTI Infrastructure Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Equity - Thematic
₹ 77.7046
-1.33 %
6.42 %
UTI Liquid Cash Plan Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Liquid Fund
₹ 3518.4266
3.58 %
4.09 %
Risk Metric:
Inception Date:
Investment Purpose:
Equity - ELSS
₹ 140.6834
-2.86 %
9.9 %
UTI MNC Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Equity - Thematic
₹ 278.2901
0.24 %
7.96 %
UTI Mastershare Unit Scheme Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Equity - Large Cap Fund
₹ 190.9501
-1.11 %
10.64 %
UTI Medium Term Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Medium Term Fund
₹ 14.9837
4.77 %
3.14 %
Risk Metric:
Inception Date:
Investment Purpose:
None
₹ 0.3488
N/A
N/A
UTI Mid Cap Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Equity - Mid Cap Fund
₹ 185.7230
0.17 %
11.09 %
UTI Money Market Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Money Market Fund
₹ 2500.3698
3.81 %
5.15 %
UTI Multi Asset Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Hybrid - Multi Asset Allocation
₹ 44.0774
-2.36 %
5.17 %
UTI Nifty 50 ETF Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
ETF - Equity
₹ 1845.7916
1.61 %
11.9 %
UTI Nifty 50 Index Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Equity - Index
₹ 116.6891
1.31 %
11.65 %
UTI Nifty Bank ETF Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Open-Ended Scheme replicating/tracking Nifty Bank Index
₹ 38.1753
-3.38 %
N/A
Risk Metric:
Inception Date:
Investment Purpose:
An open-ended scheme replicating/tracking Nifty Midcap 150 Quality 50 TRI
₹ 9.7579
N/A
N/A
UTI Nifty Next 50 Index Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Equity - Index
₹ 14.8866
-4.9 %
N/A
Risk Metric:
Inception Date:
Investment Purpose:
An Open-Ended Scheme replicating/tracking the Nifty200 Momentum 30 Index
₹ 12.3478
-8.27 %
N/A
UTI Overnight Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Overnight Fund
₹ 2926.3384
3.43 %
3.63 %
Risk Metric:
Inception Date:
Investment Purpose:
None
₹ 3.8396
N/A
N/A
UTI Regular Savings Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Hybrid - Conservative Hybrid Fund
₹ 52.0307
5.23 %
7.38 %
Risk Metric:
Inception Date:
Investment Purpose:
Solution Oriented - Retirement Fund
₹ 34.8218
4.4 %
9.44 %
Risk Metric:
Inception Date:
Investment Purpose:
An open-ended scheme replicating/tracking S&P BSE Low Volatility TRI
₹ 10.7944
N/A
N/A
UTI S&P BSE Sensex ETF Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
ETF - Equity
₹ 617.8246
2.17 %
12.64 %
Risk Metric:
Inception Date:
Investment Purpose:
An open-ended scheme replicating/tracking the S&P BSE Sensex Index
₹ 10.1569
N/A
N/A
Risk Metric:
Inception Date:
Investment Purpose:
Open-ended Equity Scheme
₹ 50.8427
-0.77 %
N/A
UTI Short Term Income Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Short Duration Fund
₹ 25.7166
7.53 %
8.2 %
UTI Small Cap Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
An open-ended equity scheme predominantly investing in small-cap stocks.
₹ 15.1194
5.35 %
N/A
Risk Metric:
Inception Date:
Investment Purpose:
Equity - Sectoral
₹ 150.9058
11.21 %
4.49 %
UTI Treasury Advantage Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Low Duration Fund
₹ 2889.9747
8.72 %
7.35 %
UTI Ultra Short Term Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Debt - Ultra Short Duration Fund
₹ 3499.3634
6.0 %
5.47 %
Risk Metric:
Inception Date:
Investment Purpose:
Solution based Funds - Investment cum Insurance
₹ -
0.7 %
7.99 %
UTI Value Opportunities Fund Regular - Growth
Risk Metric:
Inception Date:
Investment Purpose:
Equity - Value Fund
₹ 99.4922
-1.9 %
11.15 %

Frequently asked questions

What are different types of mutual funds?

Mutual funds provide a wide range of investment options to investors. You can choose the right type of mutual fund scheme depending on your risk appetite, financial goals and investment horizon. Mutual funds can be broadly classified into five categories, viz. equity funds, debt funds, hybrid funds, solution-oriented schemes and other schemes. There are further sub-categories of mutual fund schemes under these five broad categories, which are differentiated based on the specific investment objectives of these schemes. With different types of mutual fund schemes available for investors with diverse investment objectives, it becomes easier for them to choose the best suited financial plans.

What are long-term mutual funds?

While there is no specific category of long-term mutual fund schemes under the SEBI (Securities & Exchange Board of India) guidelines, mutual fund schemes suited for long- term investment horizons can be classified as long-term mutual funds. Investors generally have several long-term financial goals, like retirement planning, buying a house, child’s education, etc., for which the investors must choose like-minded mutual fund schemes. Different asset classes tend to be suited for different goals. For example, equities are suited for long-term investment horizons carrying the potential of wealth creation over the long term but volatile over the short term. Debt may render relative stability to the investment portfolio over the short term with a predominantly fixed income portfolio. Investors can choose the mutual fund scheme that suits their financial goals and investment horizon.

What is the difference between long-term and short-term investment?

No specific long-term and short-term mutual fund schemes are defined under the SEBI (Securities & Exchange Board of India) guidelines. However, mutual fund schemes that suit long-term and short-term financial goals may be considered for long-term and short- term investments. The broader difference between long-term and short-term investments is the proportion of asset classes, viz., equity and debt, within them. This is because equities carry the potential of wealth creation over the long term but are volatile over the short term. Similarly, debt tends to render relative stability over the short term, albeit with reasonable returns. Thus, the risk-reward trade-offs for investing in the short- term and long-term are strikingly different. The lower the risk undertaken, the lower may be the expected returns for investors.

How do I choose the right mutual fund investment plans for me?

There is no certain right or wrong mutual fund investment plan for investors. One must choose to invest in mutual fund schemes depending upon the investment objective and asset allocation pattern. An investment approach contrary to the objective can be harmful to financial planning. While equities may be suitable for long-term goals with their potential for wealth creation over the long term, choosing such schemes for short- term goals may expose the investors to short-term volatility. Similarly, debt may be suitable for short-term stability in the investment portfolio, but choosing such schemes for long-term goals may hamper the long-term financial goals with relatively lower returns and correspondingly higher investment requirements. Since one may have different short-term and long-term goals simultaneously, the investment portfolio should ideally include an optimal balance between different mutual fund schemes, which are further chosen based on investors’ financial goals, risk profile and investment horizon.

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