Which are the safest mutual funds in India?
Low-risk mutual funds include liquid, ultra-short duration, and money market mutual funds. Short-term securities like Treasury bills, commercial paper (CP), deposit certificates, and other debt instruments are held by liquid funds.
Low-risk mutual funds include liquid, ultra-short duration, and money market mutual funds. Short-term securities like Treasury bills, commercial paper (CP), deposit certificates, and other debt instruments are held by liquid funds.
Public Provident Fund (PPF)
PPF is considered one of the best option for safe and high return investments in India. The PPF is a long-term investment scheme, which helps to create a retirement corpus while saving on annual taxes.
Fund Name | 3-year Return (%)* | 5-year Return (%)* |
---|---|---|
ICICI Prudential Constant Maturity Gilt Fund Direct-Growth | 4.22% | 8.59% |
Kotak Gilt Investment Direct-Growth | 5.30% | 8.57% |
ICICI Prudential Gilt Fund Direct Plan-Growth | 5.66% | 8.52% |
Edelweiss Government Securities Fund Direct-Growth | 5.68% | 8.48% |
Large Cap Fund | Crisil Rank | AUM (Rs. cr.) Mar 21 |
---|---|---|
CR Bluechip Equity Fund (G) Scheme: CR Bluechip Equity Fund (G) Performance Charts Investment Info Holdings Peer Comparison | Rank 1 | 1,332.28 |
JM Large Cap Fund (G) Scheme: JM Large Cap Fund (G) Performance Charts Investment Info Holdings Peer Comparison | Rank 1 | 92.38 |
High-quality bonds and fixed-indexed annuities are often considered the safest investments with the highest returns. However, there are many different types of bond funds and annuities, each with risks and rewards. For example, government bonds are generally more stable than corporate bonds based on past performance.
1. Money Market Funds. A money market fund is a type of mutual fund that typically has low risks. They work by investing in high-quality, short-term corporate or government debt and paying those shareholders based on the interest.
- Recurring Deposits. Recurring deposits come with the flexibility to invest an amount every month. ...
- Money Market Account. It is an interest-bearing account at a bank or a credit union. ...
- Debt Instruments. ...
- Bank Fixed Deposits. ...
- Post- Office Time Deposits. ...
- Large Cap Mutual Funds. ...
- Corporate Deposits.
- How to Get 10% Return on Investment: 10 Proven Ways.
- High-End Art (on Masterworks)
- Invest in the Private Credit Market.
- Paying Down High-Interest Loans.
- Stock Market Investing via Index Funds.
- Stock Picking.
- Junk Bonds.
- Buy an Existing Business.
Investment Options | Period of Investment (Minimum) | Risks |
---|---|---|
Post Office Monthly Income Scheme (POMIS) | 5 years | Nil-to-Low risk |
Public Provident Fund (PPF) | Lock-in period of 15 years (extendable by 5 years) | Nil |
RBI Saving Bonds | 6 years | Nil |
Bank Fixed Deposits | 7 days to 10 years | Nil |
What are the top 3 mutual funds?
Rank | Symbol | Fund Name |
---|---|---|
1 | VSMPX | Vanguard Total Stock Market Index Fund;Institutional Plus |
2 | VFIAX | Vanguard 500 Index Fund;Admiral |
3 | FXAIX | Fidelity 500 Index Fund |
4 | VTSAX | Vanguard Total Stock Market Index Fund;Admiral |
- Bank of India Tax Advantage Fund-Reg(G) ...
- Parag Parikh Flexi Cap Fund-Reg(G) ...
- DSP Midcap Fund-Reg(G) ...
- Mirae Asset Tax Saver Fund-Reg(G) ...
- Invesco India Contra Fund(G) ...
- Mirae Asset Emerging Bluechip-Reg(G) ...
- Aditya Birla SL Financial Planning FOF Aggressive Plan(G) ...
- SBI Banking & Financial Services Fund-Reg(G)
Name | Subcategory | 3Y Avg Annual Rolling Return (%) |
---|---|---|
Quant Small Cap Fund | Small Cap Fund | 61.79 |
Tata Small Cap Fund Direct-Growth | Small Cap Fund | 47.4% |
Parag Parikh Flexi-Cap Fund Direct-Growth | Flexi-Cap Fund | 33.75% |
ICICI Pru Technology Fund | Sectoral Fund- Technology | 44.03 |
Most mutual fund managers and advisors have been warning that the stock market may offer muted returns in 2023. Sure, like most forecasts this may also prove wrong. However, the consensus is that you should be happy with single-digit returns from your equity mutual funds in 2023.
S.No. | Fund Name |
---|---|
1. | Axis Bluechip Fund |
2. | Mirae Asset Large Cap Fund |
3. | Parag Parikh Long-Term Equity Fund |
4. | UTI Flexi Cap Fund |
Fund Name | Fund Category | 5 Year Return (Annualized) |
---|---|---|
Tata Banking and Financial Services Fund | Equity | 13.35 % p.a. |
Aditya Birla Sun Life Banking & Financial Services Fund | Equity | 10.2 % p.a. |
ICICI Prudential Banking and Financial Services Fund | Equity | 10.6 % p.a. |
- Open a High-Yield Savings Account. If you want to take the risk out of the equation and need to be able to readily access your money, a high-yield savings account is a great option. ...
- Sign Up for a Taxable Brokerage Account. ...
- Alternative Investments. ...
- Invest in Real Estate.
What are the safest types of investments? U.S. Treasury securities, money market mutual funds and high-yield savings accounts are considered by most experts to be the safest types of investments available.
- Index Funds, Mutual Funds and ETFs.
- Individual Company Stocks.
- Real Estate.
- Savings Accounts, MMAs and CDs.
- Pay Down Your Debt.
- Create an Emergency Fund.
- Account for the Capital Gains Tax.
- Employ Diversification in Your Portfolio.
“U.S Treasury securities are considered the safest investment option, as they are backed by the full faith and credit of the U.S government. These investments come in several forms such as savings bonds, treasury notes, treasury bills, and more,” Chavez said.
Which is the best mutual fund over last 10 years?
Kotak Emerging Equity Fund is the top-performing scheme in the Mid Cap Mutual Fund category based on 10-year SIP returns. In the last 10 years, Kotak Emerging Equity Fund grew at an XIRR of 20.4%. A monthly SIP of Rs 1,000 over a 10-year period (i.e. total investment of Rs 1,20,000) would now be valued at Rs 3,52,307.
- Equity Mutual Funds: Mutual funds, as the name suggests pool money from multiple investors and invests in a diversified portfolio of bonds, stocks, and other types of securities. ...
- Real Estate: ...
- Gold: ...
- Fixed Deposits and Bonds: ...
- Cryptocurrencies:
- Fixed deposit: ...
- Post Office Monthly Income Scheme (POMIS): ...
- Mutual funds: ...
- Equity markets: ...
- Real estate:
- Top 5 Investment Options to Invest 1 Crore for Monthly Income. Scheme. ...
- Mutual Funds. Debt Mutual Funds: Systematic Withdrawal Plans. ...
- Fixed Deposits. ...
- Corporate Deposits. ...
- Post Office Monthly Income Scheme. ...
- Real Estate. ...
- How to Invest 1 Crore for Monthly Income?
A 20% return is possible, but it's a pretty significant return, so you either need to take risks on volatile investments or spend more time invested in safer investments.
Mutual Fund Schemes are not guaranteed or assured return products. Investment in Mutual Fund Units involves investment risks such as trading volumes, settlement risk, liquidity risk, default risk including the possible loss of principal.
Stocks offer the biggest potential return on your investment while exposing your money to the highest level of volatility.
- Mutual Funds: There are various types of mutual funds. ...
- Kisan Vikas Patra (KVP): It comes under the Post Office Small Saving Scheme. ...
- Corporate Bonds: Bank deposits don't offer a high rate of interest.
- NRI Fixed deposits. Banks offer 3 types fixed deposits non-resident Indian: ...
- Mutual funds. ...
- Indian stocks. ...
- Real estate. ...
- Pre-IPO.
- Objective. This is a summary of the fund's goal and how its management team plans to achieve that goal. ...
- Fund Manager Experience. ...
- Sectors. ...
- Performance (Rate of Return) ...
- Cost. ...
- Turnover Ratio.
Is there anything better than mutual fund?
Both mutual funds and ETFs hold portfolios of stocks and/or bonds and occasionally something more exotic, such as precious metals or commodities. Both can track indexes as well, however ETFs tend to be more cost effective and more liquid as they trade on exchanges like shares of stock.
Scheme Name | 3-year returns (%) |
---|---|
ICICI Prudential Technology Fund | 31.00 |
Nippon India Small Cap Fund | 30.53 |
Canara Robeco Small Cap Fund | 30.49 |
SBI Contra Fund | 30.03 |
Returns | ||
---|---|---|
Fund Name | 3 Years | 10 Years |
Equity Fund SBI | 19.35% | 13.95% View Plan |
Multi Cap Growth Fund ICICI Prudential | 19.84% | 13.55% View Plan |
Equity II Fund Canara HSBC Oriental Bank | 20.17% | 12.5% View Plan |
An analysis of AUM data of fund houses over the last one year shows that SBI Mutual Fund and Mirae Asset Mutual Fund were the fastest growing fund houses in absolute and percentage terms, respectively as on June 2023.
Small cap schemes (10-year monthly SIP returns) | |
---|---|
Scheme Name | XIRR (%) |
Nippon India Small Cap Fund | 24.02 |
Kotak Small Cap Fund | 20.57 |
DSP Small Cap Fund | 20.17 |
Mutual fund returns
They are professionally managed instruments that give decent returns in a bull run. They also have low downside risk when compared to direct equity investments during a bear market. The average mutual fund return varies between 5%-15%, depending on the category of mutual funds.
All funds carry some level of risk. With mutual funds, you may lose some or all of the money you invest because the securities held by a fund can go down in value. Dividends or interest payments may also change as market conditions change.
Fund Name | Category | Fund Size(in Cr) |
---|---|---|
Mirae Asset Overnight Fund | Debt | ₹614 |
Axis Overnight Fund | Debt | ₹8,806 |
Kotak Equity Arbitrage Fund | Hybrid | ₹22,513 |
Nippon India Arbitrage Fund | Hybrid | ₹9,220 |
Every investment we make involves a risk, only its nature and degree varies. The same applies to Mutual Funds too. All Mutual Fund schemes do not carry the same risk when it comes to returns on investment.
Mutual funds are a lucrative investment option for investors looking for tax-efficient returns that are typically higher than alternatives such as fixed deposits. Although mutual funds are generally considered a reliable investment, there are high-risk and low-risk categories within it as well.
Are mutual funds 100% safe?
Mutual funds are largely a safe investment, seen as being a good way for investors to diversify with minimal risk. But there are circ*mstances in which a mutual fund is not a good choice for a market participant, especially when it comes to fees.
Your mutual fund portfolio is not in line with your stated risk profile. Large & mid cap schemes and small cap schemes have very high risk, they can also be volatile. They are suited for aggressive investors with very large risk appetite.
Inflation is the biggest risk which eats up the returns generated by your investments in mutual funds. If your investments are not generating higher returns than the prevailing inflation rate, then you are just losing money from your investment.
The Securities and Exchange Board of India (SEBI) regulates mutual funds, ensuring that they operate within specific guidelines and follow strict investment policies. This provides investors with a sense of security and trust.
Safety: The mutual fund schemes by SBI are one of the country's trusted and reliable fund schemes. Variety of Options: Investing in SBI Mutual Fund comes with a broad Range of choices, you can invest for a short-term, mid-term and long-term in these schemes offered by the SBI.
They come with many advantages, such as advanced portfolio management, risk reduction, and dividend reinvestment; however, there are many disadvantages to consider as well, such as high expense ratios and sales charges, tax inefficiencies, and possible management abuses.
A large number of experts and investment gurus consider it to be the most convenient way to invest their money in the market and earn good returns. And when it comes to mutual fund SIP providers, HDFC remains the clear winner. A large number of investors pin down their faith upon DFC mutual fund SIP investment scheme.
If you are wondering can mutual funds lose money, then the answer is yes as some mutual fund categories are more volatile. This means, while they might offer great returns, they can also offer higher risk. If you feel you are not up for the risk, you should look at the performance of mutual funds from other categories.
Scheme Name | 3-year returns (%) |
---|---|
ICICI Prudential Technology Fund | 31.00 |
Nippon India Small Cap Fund | 30.53 |
Canara Robeco Small Cap Fund | 30.49 |
SBI Contra Fund | 30.03 |