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What is Mutual Fund?

A Mutual Fund is a trust that pools together the savings of a number of investors who share a common financial goal. The money collected is then invested in capital market instruments such as shares, debentures and other securities based on their objective. The income earned through these investments and the capital appreciation realized are shared by its unit holder in proportion to the number of units owned by the investors.


Mutual Fund Snapshot

What are the advantages of Mutual Fund?

Flexibility


Mutual Funds offer a variety of schemes that will suit your needs over a lifetime. When you enter a new stage in your life, all you need to do is sit down with your financial advisor who will help you to rearrange your portfolio to suit your altered lifestyle.

Affordability


As a small investor, you may find that it is not possible to buy shares of larger corporations. Mutual Funds generally buy and sell securities in large volumes which allow investors to benefit from lower trading costs. The smallest investor can get started on mutual funds because of the minimal investment requirements. You can invest with a minimum of Rs.500 in a Systematic Investment Plan on a regular basis.

Liquidity


In open-ended schemes, you have the option of withdrawing or redeeming your money at any point of time at the current NAV.

Diversification


Risk is lowered with Mutual Fund as they invest across different Industries and Stocks.

Professional Management


Qualified professionals manage your money, but they are not alone. They have a research team that continuously analyses the performance and prospects of companies. They also select suitable investments to achieve the objectives of the scheme. It is a continuous process that takes time and expertise which will add value to your investment. Fund managers are in a better position to manage your investments and get higher returns.

Low Costs


The economy of scale result in low cost.

Regulations


All mutual funds are required to register with SEBI (Securities Exchange Board of India). They are obliged to follow strict regulations designed to protect investors. All operations are also regularly monitored by the SEBI.

Transparency


The performance of a Mutual Fund is reviewed by various publications and rating agencies, making it easy for investors to compare funds with another. As a unit holder, you are provided with regular updates, for example daily NAVs, as well as information on the fund's holdings and the Fund Manager's strategy.


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