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New Year, New Investments: Top Mutual Funds to Begin Your 2025 Journey
As the calendar turns and we step into 2025, a prosperous financial future is something everyone looks forward to. Making informed and strategic investment decisions is the most crucial step in order to achieve that. In recent years, the financial landscape has evolved at an unprecedented pace, leading to a significant shift in investor preferences as well. By understanding ongoing market trends, you can position yourself to capitalize on new, emerging opportunities.
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Although there are so many options available in the market these days, mutual funds still remain the most preferred one. A mutual fund investment not only offers good returns but can also help you diversify your portfolio. No matter what your risk appetite or financial goals are, you can always find a suitable option here.
This article outlines a few mutual fund options that you can consider to invest in and take a step towards a better financial future:
Equity Mutual Funds
In an equity mutual fund, your money is primarily invested in stocks or equities of publicly traded companies. The funds are used to buy shares in different companies across multiple sectors. Since equities have a direct link to the stock market, this type of mutual fund has a better scope for capital appreciation. It allows you to get good returns by capitalising on the growth potential of the stock market and is an ideal option if you have a higher risk appetite.
Equity mutual funds can be further divided into large, small, and medium-cap funds. Apart from this, other common types include dividend yield funds, focused funds, ELSS, etc. You can choose any of these on the basis of your financial situation and other preferences.
Debt Mutual Funds
A debt mutual fund is an option where a large part of your money is invested in fixed-income schemes like bonds, treasury bills, and money market instruments. Unlike equity funds, debt funds are more immune to stock market fluctuations and have a lower risk. This type of mutual fund generates returns through interest income and capital appreciation. Their ROI rate is higher as compared to traditional saving options, with less risk involved. As a result, debt mutual funds are perfect for those who arent willing to take much risk and want a steady income.
Balance Funds
Often referred to as hybrid funds, balance funds are a combination of equity and debt mutual fund options. This scheme invests the corpus in equities and debt equally to balance out the risk. Since the money is being invested in multiple different types of assets, it gives you diversified exposure. This is also the reason why balance funds have a good scope for returns with a minimised risk and are considered the best MF (mutual fund) for the long term.
Tax-saving Funds
As the name suggests, tax-saving mutual funds are mainly used to avail tax benefits. Under Section 80C of the Income Tax Act, 1961, certain investments are eligible for tax benefits, and this type of mutual fund is one of them. The primary corpus investment (up to 80%) is in the form of equities, so the ROI rate is also higher. If you’re looking for an investment option that offers great returns with some additional advantages, this is a great option.
Liquid Funds
Liquid funds are the ones where your money gets invested in short-term debt securities. These investment avenues have a relatively shorter maturity period, which makes them ideal for short-term investments. As compared to other saving options, these mutual funds can generate higher returns, but the risk is also slightly higher. Other key features of these mutual funds are their easy redemption process and zero charges for early closure. This allows investors to have better control over their money.
Conclusion
Given the number of benefits mutual funds offer, they have always been the most preferred investment choice. Have you also been wondering, ‘How to start investing in mutual funds’? Look no further, we’ve got your back! Muthoot Finance is among India’s leading mutual fund platforms, offering a wide range of options that you can choose from. Explore all the available options and use our online mutual fund calculator to make an informed choice. Or, you can also visit your nearest Muthoot Finance branch for better financial assistance.
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