Mutual Funds are certainly subject to market
risks, reading of the offer document carefully is the statutory warning and an advice before investing. Hence, it
makes the investors alert and fearful at the same time. This implies, while mutual funds are risky yet good
investing option, an investor must know well and have in-depth knowledge of choosing and then investing in mutual
Knowledge of different fund types, their performances, lock-in period, risk involved, return rates and income/growth
can all contribute towards a better decision of choosing a fund type that is trending and suits your need as well.
Trending can be gauged and computed, what suits you is how you should approach on what’s best for you to invest. To
pick the most appropriate fund you must answer the below:
What are your financial goals?
Before you put your funds in a scheme, ask yourself about the financial expectations. Whether it is long-term gains
or regular income?
The money earned is for acquiring an asset, an experience, or is it for your
retirement plans? How quickly you’d need your money back, can you plot it for a couple of years or
would you need it shortly, maybe in a few days? These and few more questions are a must to track your expectations
and goals from your finances and investments.
What’s the bar of your risk tolerance?
Next in line is to know your appetite for risk? Can you take the volatilities of the market? Can you keep your cool
and not get impulsive to drastic switches in the value of your portfolio? Can you experiment and take the plunge
towards higher risks in your aim for higher gains? Or are you conservative and would prefer stability?
What are the fund types and size of funds you’d like to invest in?
This is more like a combination of the above two questions, so if you as an investor are willing to take a fair
amount of risk and can set apart your funds for a long-term, then you must go for long-term funds that offer capital
appreciation. These are volatile in nature and hence bear the potential of better and higher rewards over time. But,
on the contrary, if you are aiming at moderate income, then debt as income funds should do the trick. Also, to have
the best of both worlds, the other way is to invest in
balanced funds that invest both in stocks and bonds.
Once you are sorted, you must trust a good and a reputed Asset management company (AMC) like Nippon India Mutual Fund
(NIMF), which is one of India’s leading and fastest growing mutual fund houses. The funds designed by NIMF are
aimed to offer stable income, create wealth and push growth. The AMC is said to manage the funds of investors wisely
and help them in accomplishing their financial goals. 5 Top trending mutual funds of Nippon India Mutual Funds are
Product Labels are as follows:
1. Nippon India Equity Opportunities Fund- Growth
2. Nippon India Regular Savings Fund- Debt Plan Growth
3. Nippon India Growth Fund- Growth
(Equity- Mid Cap)
4. Nippon India Dynamic Bond Fund- Growth
5. Nippon India Tax saver (ELSS) Fund- Growth
The information herein is meant only for general reading purposes and the
views being expressed only constitute opinions and therefore cannot be considered as guidelines, recommendations
or as a professional guide for the readers. Certain factual and statistical information (historical as well as
projected) pertaining to Industry and markets have been obtained from independent third-party sources, which are
deemed to be reliable. It may be noted that since RNAM has not independently verified the accuracy or
authenticity of such information or data, or for that matter the reasonableness of the assumptions upon which
such data and information has been processed or arrived at; RNAM does not in any manner assures the accuracy or
authenticity of such data and information. Some of the statements & assertions contained in these materials
may reflect RNAM’s views or opinions, which in turn may have been formed on the basis of such data or
Before making any investments, the readers are advised to seek independent professional advice, verify the
contents in order to arrive at an informed investment decision. None of the Sponsor, the Investment Manager, the
Trustee, their respective directors, employees, affiliates or representatives shall be liable in any way for any
direct, indirect, special, incidental, consequential, punitive or exemplary damages, including on account of
lost profits arising from the information contained in this material.
Mutual Fund investments are subject to market risks, read all scheme related documents