January 2022


What Are Key Parameters For Mutual Fund Analysis?

One of the reasons why people consider keeping aside a portion of their income for the purpose of investment is that it helps in acquiring long-term wealth. The long-term wealth is generally used for everyday expenditures after retirement. One of the investment schemes that you can consider signing up for to generate long-term wealth is a mutual fund scheme. Introduced in India in the early-1960s, mutual fund schemes have gone on to become one of the prominent investment schemes in India.

Despite their popularity, people still have a lot of misconceptions about mutual funds investment. Despite gaining popularity in recent times, investors are still unaware of how to analyse mutual fund schemes. Whether you are investing for the purpose of capital preservation or wealth creation, opting for the right type of mutual fund scheme is absolutely crucial for achieving your investment objective.

 So, another question after “what are mutual funds?” is “how to sign-up for a mutual fund scheme?” The answer to said question is to check certain parameters. Listed below are some of those parameters:

  • Check whether it is a regular plan or a direct plan:

Before you start analysing a mutual fund scheme, it is important to check whether the mutual fund offered can be purchased through a regular plan or a direct plan. A regular plan means that you are required to pay commissions to brokers or distributors. If you signed for your mutual fund scheme through a regular plan it is important to remember that you will be enjoying lower returns against your investments because you are required to pay commissions for your financial planning. Over time, as your investment cost increases, the return on the investment decreases. Direct plans are the opposite of regular plans. A mutual fund scheme that’s directly purchased from an asset management company (AMC) is referred to as a direct plan. Unlike regular plans, professionals like brokers, agents, or other intermediaries play no role in direct plans.

  • Look up the assets under management (AUM):

AUM serves as an indication of the market value of all the investments that a mutual fund holds on its clients’ behalf. While analysing a debt fund, a high AUM is usually considered a good sign. A high AUM indicates that the fund comes with a better investment inflow. Also, if there ever comes a time when you are thinking of withdrawing your money, a high AUM doesn’t put redemption pressure on the fund thanks to its larger size. Conversely, when it comes to an equity mutual fund, especially in the cases of a mid-cap or small-cap mutual fund, a smaller AUM is preferred. At the same time, it is also important to remember that you shouldn’t continuously target equity mutual funds with the lowest AUMs because they might come with higher operational costs per unit. An ideal strategy is to sign up for funds that have an average AUM. Such funds can come with economies of scale, that too without losing out on investment opportunities.

  • Look up the fund manager’s records:

Another important parameter to check before signing up for a mutual fund investment or scheme is the record of the fund manager. Make sure that the fund manager has adequate experience and a good track record. It is better to select a fund manager who has years of experience in the field. Also, please check the performance of the funds they have managed or even co-managed. It is necessary that you should entrust your mutual fund scheme to someone who both understands how the market works and can also help you to earn a higher return on your investment.

Apart from the three above, there are several other parameters of mutual funds that you should check. In case you are having doubts, please get in touch with an investment advisor who is registered with SEBI.

Experts like finance and insurance brokers Brisbane locals can trust are more valuable than you think.

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Investors new to the investing world have plethora of questions related to investing. What is the best way to invest in mutual funds? What is SIP? What is lumpsum mode of investment? What are the benefits of investing through SIP mode of investment? Often new investors confuse SIP with mutual funds, assuming that these investment products are interchangeable. However, they cannot be more wrong. SIP or systematic investment plan isn’t any investment product. Rather, an investment tool that allows investors to invest in mutual funds. Hence, one does not invest in SIP, rather invest in mutual funds through SIP. Now, that we have cleared the most common yet most widely misconstrued concept about SIP investment, let’s understand if you should go forward with SIP route of investment.

What is SIP?

SIP allows individuals to allot a predetermined sum of money at regular intervals in their desired mutual fund schemes. The predetermined amount of money gets debited from the bank account of the investor on the specified date and is used to purchase mutual fund units at the prevailing NAV of mutual fund or net asset value of the fund. Let’s understand the working of SIP with the help of an example. Maria wishes to buy a new phone which is estimated to cost Rs 60,000. However, she does not have the entire amount handy with her currently and decides to invest in mutual funds through SIP mode of investment. She invests Rs 5,000 per month in her desired mutual fund scheme for a year. By the end of the year, she would not have only invested the entire amount of Rs 60,000 but also earned potential yields on the schemes she buys each month.

What are the benefits of SIP?

There are several benefits of SIP mode of investment. Here are a few benefits of SIP mutual fund:

  1. SIP mode of investment has a very low minimum investment amount of just Rs 100 per month. This makes them quite affordable for individuals belonging to different economic backgrounds.
  2. SIP investments are quite flexible in nature. An investor has the liberty to change the frequency of their investments, the SIP investment amount, tenure of the investment, the mutual fund scheme they wish to invest in, etc. before and even during an investor’s SIP investment journey.
  3. SIP investments are automated in nature. What this means is that a specified amount would automatically get deducted from an investor’s bank account at specified intervals for a given period. This helps to instill financial discipline among investors which is required when investing in the markets.
  4. SIP investments also allow investors to enjoy the benefits of the power of compounding. Compounding allows investors to earn substantial yields on their investments.
  5. SIP investments also benefit investors through a concept known as rupee cost averaging that averages out the cost of mutual fund units purchased over a period.
  6. SIP also eliminates the need to time the markets. Rather, an investor must focus on time in the market.

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A Beginners Guide to Algorithmic Trading Options

What are algorithmic trading options?

Algorithmic trading is a process of using computer algorithms to place orders and trade securities. There are various algorithmic trading strategies, but they all use computers to decide when and how to trade.

One type of algorithmic trading is options trading. Algorithmic traders use options to profit from changes in the cost of the underlying asset. The buyer of a put option is betting that the price of an underlying asset will go down before the contract’s expiration date.

Two option types

The two types of options are calls and puts. On or before the option’s expiration date, a buyer may buy an underlying asset at a set price by purchasing call options. A put option gives the buyer the right to sell an underlying asset at a specific price on or before the option’s expiration date.

So, what does this mean? Let’s look at an example: say that algorithmic traders believe stock XYZ will rise in price. They can buy call options as a way to profit from this movement. If you buy one call option contract, it gives you the right to purchase 100 shares of XYZ stock for $50 per share until your selected expiration date, which could be several weeks away. That means if XYZ increases and is trading at $60 per share when your options expire, you can use your choice and buy the stock at $50 per share, then sell it at the current market price of $60 for a $10 profit per share.

On the other hand, if XYZ falls in price and is trading at $40 per share when your options expire, you can still exercise your option and purchase the stock at $50 per share. However, you would then be selling it at a loss of $10 per share. In this way, options allow traders to profit from the underlying asset’s rising and falling prices.

How do I trade options?

To trade options, you first need to open an account with a brokerage firm that offers options trading. It would help if you then choose an options broker, the firm that will execute your options trades.

Brokerages typically charge a commission for each options trade you make. You also need to be aware of the bid-ask spread when trading options. It’s the difference between the selling price and the buying price. The wider the bid-ask spread, the more expensive trade options are.

Ready to start trading?

You will first need to choose an underlying asset. It could be a stock, ETF, index, or commodity. It would help decide whether you want to buy or sell calls or puts and select an expiration date. Finally, you place your trade.

How do I choose the best options broker?

Before choosing an options broker, it’s essential to determine your type of trader and then find a brokerage firm that offers products and services tailored to your needs. It means finding a firm that provides primary and complex strategies like algorithmic trading, including the option types you plan to use. You also need to consider commissions, fees, customer service availability, educational resources, and more when selecting an options broker.

Are there any risks associated with trading options?

The most significant risk in using algorithmic trading options is liquidity risk. If you cannot buy or sell your options quickly because there aren’t enough other traders in the market, you could end up losing money. You should also be aware of the risks associated with the underlying asset you choose to trade. For example, if you trade oil futures options and the oil price falls sharply, you could lose a lot of money.

Follow this address to start algorithmic trading options today!

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Wondering What Affects Your Home Loan Affordability? Read Here Now!

Buying houses without requiring any financial support is something that very few manage to pull off.  What most people do is apply for home loans that provide the required finances for them to complete their property purchases. Now, many people are of the thought that the only expense of taking the loan is to pay off its monthly instalments. It is very important to understand whether the loan amount that is being borrowed can be afforded, and this is much more than just clearing EMIs.

Having a good financial plan in place before applying for the loan can help in getting the best deal possible. So, go through the following factors that will help in understanding what affects your home loan affordability:

  • Lender’s down payment requirement

As per RBI guidelines, banks are only allowed to fund a certain cost of the property purchase. This means that your lender cannot offer 100% financing for the house. Usually, lenders cover 80% of the cost of the property if the loan amount is in the range of Rs 20-75 lakh and 75%, if the loan amount crosses Rs 75 lakh. Now, it is important to be aware of the exact down payment amount you are required to pay, as this will affect your budget for the home loan.

  • Your debt-to-income ratio

You might be earning a very high monthly income, but this does not necessarily mean that it guarantees you a high home loan amount. An important factor determining your loan affordability is the debt-to-income ratio. If you already have multiple loans to repay, the existing debt will already eat into your budget. This leaves you with a lesser amount for the home loan and could be a problem. This is the reason why it is best to not have any existing debt while applying for a home loan to improve your loan affordability.

  • Type of property being purchased

If you are buying a property that has completed construction, you can live in it while paying off the home loan. However, if you have chosen to buy a property that is still under construction, this could lower your home loan affordability. The reason for this is that in this case, you might also have to pay for rent while the new house is being constructed. This reduces your income and can affect your ability to borrow a higher loan amount. Therefore, this becomes an important point to think about before you apply for home loan.

So, these are the factors that a borrower needs to keep in mind to understand their home loan affordability. A simple way to understand this is to make use of a home loan affordability calculator. All that this calculator requires is details regarding the home loan’s interest rate, repayment tenure, your monthly income, down payment, and existing debt obligations. The calculator will then show the loan amount that can be afforded based on these details.

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All That You Need To Learn About DST

In investment, DST revolves around a particular type of investment that is in a position to increase your capital for you without requiring much effort on your part. It means that DST investors tend to have an easier time investing the money they have because all the stress and hassles involved when working with other forms of investments are entirely out of their way.

What is a DST?

To put things as simple as they could be, DST is a business that offers financial services to its clients with the help of networks. One of their most popular products is bonds and fixed-rate notes, which large companies use for financing their projects.

However, before you decide to invest your money into such an opportunity, it would be best if you knew exactly what you were getting yourself into. It is because the majority of such services are not regulated, and therefore investors stand the chance of losing their funds to fraudsters.

So whenever someone offers you an opportunity to invest money in a project outside the stock market, it would be best if you did your research on whatever they have to offer before you go ahead and hand over your money.

What do you need to know about DST?

You need to know several critical things about DST before putting your money into any of its projects.

  1. DST is entirely unregulated when investing in businesses outside of the stock market.
  2. Any government agency will not insure any money you put into DST.
  3. Several reports suggest that DST brokers tend to generate higher than average returns on investments for their clients because they do not work with their money directly.
  4. They also tend to use at least some of the investor’s money when they are trading on their behalf, which means that if their broker is fraudulent, they might lose more than 50 percent of their investment in a short time.
  5. DST brokers tend to use high-pressure sales techniques when trying to convince potential investors to put their money into such projects.
  6. They also try and trick investors by explaining how the company works in a not completely clear or straightforward manner and leaving out certain essential information that they think would put them off from investing with them.
  7. There are several cases where large amounts of customer funds go missing, and there is nowhere to report as an agency does not regulate the DST broker.
  8. There have been cases where investors have lost a large percentage of their investments within a few months of putting them into projects offered by DST brokers.
  9. DST brokers tend to only target people with large amounts of cash to invest.
  10. The majority of DST brokers tend not to explain the risks involved in investing in their projects which means that you need to do your research before you go ahead and hand over your money for any project they might offer you.


You need to know several critical things about DST if you want to invest your money with them. The first thing you have to remember is that it operates in a completely unregulated manner which means that if their brokers were fraudulent, the chances of investors getting their money back are slim.

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Learn to Trade With a Forex Demo Account

To some people, forex trading might seem like an impossible task. Any individual investor has the potential to make money in the forex market. The key is to open forex demo accounts first and learn how to use them effectively. A demo account lets you practice your strategies without any risk.

What you have to do first:

– Decide what sort of trader you want to be

– Define your goals for trading

– Develop a trading plan

– Choose which forex broker to work with

If you want to learn how to trade currencies effectively using a forex demo account, then you need to keep a few things in mind.

First, make sure that you have all of the necessary information available before trading any real money. You will need to know what type of trader you wish to be—news, technical or fundamentals-based, and what your entry and exit strategies will entail. Set some short-term, medium-term and long-term goals for yourself and determine the best ways to reach them.

Develop a trading plan based on these factors and ensure that you have everything recorded in a spreadsheet or some other easily accessible piece of paper. Find out how CPI affects your trading strategy.

Finally, choose a broker with low commission rates, deposit minimums, competitive spreads and reliable customer service.

Higher success rates for traders who use a demo account

Once you have all of your ducks in a row, then you are ready to open your forex demo account. Start by using just one currency pair until you feel comfortable with how it works. It is important not to spread yourself too thin by learning all of the trading pairs at once.

The success rate for new forex traders who use a demo account is much higher than those who choose to trade with real money right away. It allows them to learn their way around the charts and graphs before investing in this volatile market. Forex demo accounts also allow people time to practice executing trades based on their own decisions without being forced into making rash moves due to sudden news announcements or fluctuations in value that result from economic data releases.

Rest assured that if you practice patience, discipline and sound money management skills, then sooner or later, your hard work will pay off in the form of profits.

Get comfortable with different tools

Using demo accounts is one of the best ways to learn how to trade currencies online because it allows people with limited experience to get familiar with the software they will be using before any real money changes hands. A new trader can comfortably contact the various tools available on his platform before placing actual trades, saving him time and frustration. It also allows traders to experiment with different strategies without risking their capital.

Learn without losing capital

A basic understanding of forex trading can prevent costly blunders in the future if you learn as much as possible about it before making your first deposit with a broker. The global forex market is one of the most popular, so now is an excellent time to learn how it works.


As you begin your journey as a currency trader, remember that it takes plenty of practice and dedication to become a successful trader. Develop a plan with specific goals and objectives in mind to get started. Make sure your plan reflects what you want from your trading career and includes incentives for good performance. Setting realistic expectations and clearly defined standards will help keep you focused daily.

Bottom line

When it comes to determining which techniques work best for them, there are a plethora of options. It is crucial to learn as much as possible about forex trading before making your first deposit with a broker so that you don’t make costly errors in the future since you have nothing invested. Because the foreign exchange market is one of the most popular financial markets in the world, there is no better time to learn how it works.

Next, make sure you avoid these common trading mistakes.

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How do Mutual Funds Work Online?

A mutual fund house pools investments from different sources with common investment goals. Then it invests this collective amount in securities like money market instruments, bonds, stocks, commodities including valuable metals and similar other assets.

Financial experts known as fund managers manage investments in these funds. For that, the fund house charges a nominal annual maintenance fee called the expense ratio.

Investors can earn through regular interest or dividends in capital gains. They can even reinvest the capital gains using a growth option.

When it comes to investing in mutual funds, you can do it fast and most easily online. Then you can also use smart digital tools associated with the management of funds, like a mutual funds SIP calculator that shows your estimated returns.

That being said, here’s how mutual funds work online.

Top Ways to Invest in Mutual Funds Online

By opening an account on a fund house’s official website

On the official website of an asset management company (AMC) or fund house, you can choose from several mutual funds of different categories to invest in.

To create your account on the site, simply go by the given instructions, fill in all the necessary information and submit the same.

You can even complete the mutual fund KYC procedure on the website (e-KYC). For that, only your PAN and Aadhar number are required. Once your information is successfully verified online, you can begin investing.

If you prefer investing offline, see whether the AMC offers this facility.

Via the app of the AMC

A fund house lets you invest in mutual funds online through its own mobile application as well. This makes the process fast and hassle-free.

The app allows you to:

  • View account statements
  • Check other important details relevant to your investment portfolio
  • Purchase or sell units
  • Invest in various fund schemes

How to Start SIP Investment Online?

After signing up with the AMC website/app, you can select the investment mode, lump sum or Systematic Investment Plan (SIP). In the first case, you need to deposit the whole amount in one go. In the second case, you can deposit a fixed amount at specific regular intervals (monthly, quarterly or every 6 months) on a certain day. Since SIP investments are systematic and help beat inflation by averaging out your savings, investors often prefer this mode.

If you wonder how to start SIP investments online, follow these steps:

  • Decide the amount of investment, a suitable scheme plan and option.
  • Choose the mode and date of payment.
  • Submit your transaction.

Then you can use the mutual fund SIP calculator offered by the AMC to auto-calculate your estimated returns from your investments. For that, you simply need to enter:

  • The investment amount
  • The annual rate of returns
  • The investment tenure

There are certain associated charges when you invest in mutual funds online on the app/site of an AMC. Usually, these include expense ratio, one-time transaction fee, exit load, securities transaction tax, and stamp duty. Make sure to learn about all the applicable charges before beginning your investments.

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Make the Best Use of SIP Calculator

What is a SIP Calculator?

Be it a scientific calculator, or a normal calculator, or any other type of calculator. The goal is to make life easy for the user and to compute the results way faster and save the time of the user. Similar is the case with the SIP calculator. An online SIP calculator is an easy-to-use tool that computes results in a jiffy. If you had to make these calculations which the SIP calculator does with a pen and paper, it would consume a lot of time. The SIP calculator computes such complex calculations using a predetermined formula and displays results within no time.

You may know a thing or two about the SIP calculator by now. But do you know what SIP stands for? Let us find that out as well.

A Systematic Investment Plan or SIP as it is commonly referred to as is one of the two ways to invest in a mutual fund scheme (the other being lump sum investment). A lot of young investors take the SIP route instead of lump sum investing as this way they can save and invest a fixed sum from their monthly income and make it a habit. To inculcate investment discipline, SIP is a must.

Coming back to the SIP calculator. This free online calculator is based on the following formula –

M = P × ({[1 + i] n – 1} / i) × (1 + i)

In the above mentioned formula  –

  • M’ stands for the total sum that you receive upon maturity
  • P’ represents the sum you invest at periodic intervals
  • n’ stands for the number of monthly SIPs you have made during your investment journey
  • i’ is the periodic rate of interest

How to make the best use of the online SIP calculator?

There are two primary ways in which the online SIP calculator works. Say you want to know how much returns your current SIP investments in a particular scheme might help you fetch over the course of the next few years. You can put these details in the SIP calculator to derive the necessary.

Let us assume you want to invest Rs. 10000 every month in a mutual fund scheme for the next five years to build a corpus for your medium term financial goal.

In the SIP calculator, enter –

  • Monthly SIP sum – Rs 10000
  • Investment horizon – 5 years / 60 months
  • Assumed rate of return – 10%

The SIP calculator will compute and show the following –

Total amount invested over the course of the investment horizon – Rs 6 lakhs

Total corpus earned (invested sum + interest earned) – Rs 7.74 lakhs

There’s another way in which the SIP calculator works as well. So if you have a figure in mind but you do not know how much your monthly investment should be, the SIP calculator can help you with that as well.

Let us assume that you want to build a retirement corpus of Rs. 1 crore. The expected rate of return is 8 percent, and you have 150 months in hand before you retire.

In the SIP calculator, enter –

  • Total corpus needed – Rs 1 crore
  • Investment horizon – 150 months
  • Assumed rate of return – 8%

The SIP calculator will compute and show the following –

  • Monthly SIP sum needed to achieve the corpus – Rs 39003
  • Total invested sum – 58.50 Lacs

Investors can do multiple calculations with the SIP calculator to derive to multiple results and can easily plan their investments accordingly.

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5 Benefits of Investing in Equity Mutual Fund Schemes

If you are investing your hard earned money by making some sacrifices now, you are doing so, so that in the near future you are able to improve your existing financial condition. People want to create wealth but aren’t ready to commit to a disciplined investment approach. It is possible to achieve a noticeable corpus if you choose the right type of investment scheme whose investment objective, risk profile, and investment time horizon aligns with that of yours.

One of the simplest ways to create long term wealth is by investing in market linked schemes like equity mutual funds. Equity mutual funds have the potential to generate far better returns as they predominantly invest in the equity market. Some claim equity funds to be a risky investment, but they are far less volatile than direct stock market investments as equity mutual funds invest in a diversified portfolio of stocks and invest in securities spread across market capitalizations.

Let us find out more about equity mutual funds and understand the five primary benefits of investing in them.

What is an equity mutual fund scheme?

An equity mutual fund is an open ended mutual fund scheme that invests the majority of its investible corpus in equity and equity related instruments of publicly listed companies. As per market regulator SEBI guidelines, an equity mutual fund invest a minimum of 65% to 80% of its total assets in stocks and other equity related instruments. These funds may carry high investment risk, but also have the potential to generate returns like no other mutual fund scheme.

Five primary benefits of investing in equity mutual funds

Diversification and risk mitigation

If you had to take exposure to the equity market through stocks, you would have to invest thousands of rupees to buy single quality stock. Plus there would be concentration risk as you would end up losing your invested sum in case the stock value goes down. In the case of equity mutual funds, they invest in a basket of such credible stocks that have growth potential. So even if one stock collapses, the overall equity mutual fund portfolio should be able to reduce risk and create stable returns. Through a single equity mutual fund investment, you get exposure to several expensive stocks.

Professionally managed

Equity mutual funds are managed by a team of professional fund managers who ensure that they maintain a portfolio that keeps generating decent returns. Hence, even if you do not have a deeper knowledge about equity funds, you can still invest and let the fund managers handle the portfolio and help you generate returns.

Avail tax benefit

Equity Linked Savings Scheme (ELSS) is an equity mutual fund scheme that comes with a tax benefit. You can invest up to Rs 1.5 Lacs in ELSS every fiscal year and bring down your tax liability.

Systematic Investment Plan

Investors can invest an amount as low as Rs 500 every month in equity funds through a Systematic Investment Plan. SIP is a simple and convenient way to save and invest a fixed sum at regular intervals. Investors can create long term wealth through systematic and regular SIP investments.


Equity mutual funds are well regulated and under the governance of SEBI (Securities and Exchange Board of India). Investors do not have to worry about getting cheated as all equity funds must be transparent with their investors as per the norms set by SEBI.

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Do you need debt funds in a portfolio?

As investors, we are constantly trying to ensure that our overall portfolio is able to balance the investment risk and generate risk adjusted returns over the long term. One way to balance risk is to diversify your investment portfolio across asset classes and money market instruments based on your risk appetite your investment horizon and your ultimate financial goal.

Mutual funds can be one way to achieve their life’s short-term or long-term financial goals. These are market linked schemes that invest in various asset classes like equity, debt, gold, etc. Mutual funds collect financial resources from investors sharing a common investment objective and invest this accumulated pool of funds across various stocks, Government and corporate bonds, debentures, commercial papers, certificates of deposits, and other fixed income securities.

While equity funds are one of the most sough after mutual fund schemes because of their potential to generate high returns over the long term, several investors also consider debt mutual funds.

What is a debt fund?

We all know that equity funds invest the majority of their investible corpus in equity and equity related instruments to generate returns. A debt mutual fund on the other hand invests in fixed income securities and money market instruments. The investment objective of most debt funds is to generate stable returns whilst protecting the investor’s capital.

Reasons to consider debt funds for your investment portfolio

Here are a few reasons why retail investors must consider adding debt mutual funds to their investment portfolio:

Low expense ratio

Unlike equity funds that have a very high expense ratio, debt funds have a relatively low expense ratio. For those who do not know what an expense ratio is, it is an expense demoted in percentage form which includes several recurring expenses like management fees, operational costs, and other similar costs that must be taken care of to ensure the smooth functioning of the mutual fund scheme. Every mutual fund scheme has an expense ratio that is deducted from the investor’s overall capital gains. A mutual fund scheme with a high expense ratio may create a void in the investor’s overall capital gains.

Stable returns

Debt funds try to generate stable returns as opposed to equity mutual funds whose investment objective is to generate high returns by taking higher risks. This way, debt funds bring in the much needed stability to the investor’s portfolio. Equity investments are volatile and returns are uncertain. However, investments in debt funds may allow the portfolio to generate stable income.

High liquidity

A mutual fund investor must consider debt funds like liquid funds as these funds offer high liquidity. A mutual fund portfolio must maintain liquidity so that investors are able to liquidate their investments in case an unforeseen exigency arises. Since debt schemes like liquid funds invest in a portfolio of fixed income securities that come with a short maturity of up to 91 days, investors can consider these for building a medical fund or an emergency fund.

Almost zero exposure to equity

The returns generated by debt mutual funds are purely based on the underlying securities in which they invest. Since debt funds do not have any exposure to stock or other equity related instruments of publicly listed companies, any upheavals in the market are less likely to affect the performance of a debt mutual fund.


We cannot emphasize any more the importance of diversification when it comes to mutual fund investing as investors are well aware of the consequences of carrying a concentrated investment portfolio. Investors can consider debt funds for diversification. This will allow them to balance the investment risk and give them an opportunity to leverage different asset classes.

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