Articles

<p dir="ltr"><span>When planning to invest in equity markets, investors may choose large-cap funds or mid-cap funds or small-cap funds depending upon their risk profiles. While large-cap funds are considered relatively stable and suitable for investors with relatively conservative to moderate risk profile, small-cap funds are generally seen as funds aiming for aggressive returns but also have a higher risk attached. At the same time, the risk profile of an investor may not remain constant throughout the investing cycle.

<p dir="ltr"><span>A Systematic Transfer Plan (STP) is an investment option available to the investors to enable them to switch their investments from one mutual fund scheme to another. As the name suggests, the transfer between different mutual fund schemes happens systematically.

When it comes to investing in mutual funds, data suggests that investors are highly inclined to invest in equity funds. As per the quarterly data for July - September 2022, about 9.2 crore folios featured equity schemes across the mutual fund industry, with the total Assets Under Management (AUM) of ₹14.64 lakh crores. In comparison, the number of folios in debt-oriented schemes stood at around 72 lakh. (Source: AMFI)

<p dir="ltr"><span>A meticulous plan is vital for achieving a financial goal. At the same time, it is equally crucial for the investors to choose the right investment option amongst a wide spectrum of investment products available.&nbsp;</span></p>

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<p dir="ltr"><span>While most investors prefer mutual funds for their diversification benefits, others tend to look for a focused approach to the stock selection strategies.

<p dir="ltr"><span id="docs-internal-guid-51b40734-7fff-6841-cca9-c5d703c4b902">Knowing a person, dating a person is a whole lot different from co-habiting and getting married. Creating a life together brings with it the responsibility of creating a <a href="https://www.utimf.com/articles/10-steps-to-a-better-financial-future/&q…; target="_blank">financial future together</a>.

<p dir="ltr"><span>Movies in India seem to mirror the prevalent values and consumer belief in the society. In my growing up years, people with money were the smugglers or underworld people. Money was equivalent to evil. This was the license Raj much before liberalisation. The social narrative was to spread one&rsquo;s feet according to the cloth, essentially live within one&rsquo;s means. Credit was considered bad. No money discussion used to happen around the dinner table.

<p dir="ltr"><span>When it comes to investing, the options may range from investing in traditional investment products like fixed deposits to investment products in financial markets like shares, mutual funds, etc. Each of the investment product carries its pros and cons.&nbsp;</span></p>

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<p dir="ltr"><span>With a wide range of mutual fund schemes available for the investors, mutual funds emerge as a convenient investment option. The investors may choose mutual fund schemes to suit their risk profile, investment horizon, and financial goals.&nbsp;</span></p>

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<p>As a productive investing channel, mutual funds have recently gained a lot of appeal. They have emerged as a preferred investment option amongst retail investors because of the convenience of investing and professional fund management. One may choose from different types of mutual funds in India that are broadly classified into five major categories. The investment goal will determine the best type of mutual fund to pick for your needs.</p>