About Mutual Fund Investing

Mutual funds are a great way for a retail investor to participate in the capital markets (both debt and equity). They offer the benefit of expert management, diversification, and low cost to investors. In this section, we will look at the basics of mutual funds - what they are, the different categories, the costs involved, how to choose them, how to invest in them etc. We will also look at the risks involved in investing in these instruments.

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Tutorial about mutual funds

A mutual fund is an investment that allows all investors access a well-diversified portfolio of equities, bonds or other securities. Each investor has a share in the gain or loss of the fund. Units are issued and can be redeemed as needed. The fund's Net Asset Value (NAV) is determined each day. They are the companies that receive your money and invest it in financial markets. It is an ideal tool for people who want to invest but fear the complexities of the markets or the arcane language experts use.

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How to select mutual funds

Planning is crucial as none of us plan to fail but most of us fail to plan. Thus, once we have assessed our financial status we can proceed to the next step of building a financial plan to achieve our goals. Otherwise most of our goals would be distant dreams.

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How to design a mutual fund portfolio

At FundsIndia.com, we provide an online investment platform, and we offer free advisory services. One of the most frequent advisory questions that we get from our investors is typically this - "I can save x thousand dollars every month. I would like to invest in mutual funds through SIP. Please suggest some funds for me".

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Risks of mutual fund investing

Yes, most mutual fund products (except capital guaranteed funds) have underlying assets (Equities, Bonds etc.) that fluctuate on a daily basis. Hence capital loss due to lower prices of the underlying assets or default on bonds is possible. Investing according to an asset allocation plan, having enough exposure to other capital guaranteed investment such as FDs, Government Guaranteed bonds etc., can to a large extent mitigate these.

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