Shashi Kant Bahl
Mutual Fund Investment for Your Financial Goals
Invest in mutual funds with MutualFundWala through a simple online investment process. Invest in mutual fund schemes from leading fund houses through a simple online process.
Goal-Based Investing
Simplified Mutual Fund Investing
Long-Term Wealth Creation
Associated with Leading Mutual Fund AMCs
Why Invest in Mutual Funds ?
Mutual funds are investment vehicles that pool money from investors to purchase a diversified portfolio of securities, such as equities and fixed-income instruments. On behalf of investors, professional fund managers invest the funds collected in a diversified portfolio of equities, fixed-income instruments, commodities, and other assets.
Investing in mutual funds offers investors the flexibility to start with an investment amount of as low as ₹100, cancel, pause, and even withdraw the funds anytime. Equity mutual funds have the potential to grow wealth over the long term, though returns are not guaranteed.
Expert Fund Management
Mutual Funds are managed by expert fund managers of asset management companies. Fund managers actively track the market, research companies, asset classes, and valuations to generate returns while effectively managing market risks.
Diversified Portfolio
Diversification is one of the key characteristics of mutual fund investing. Fund managers invest in a diversified portfolio of securities across multiple companies and sectors, and may also invest in fixed income instruments, gold, and other assets.
Flexible Investment Options
Investing in mutual funds offers investors the flexibility to start with an investment amount of as low as ₹100, cancel, pause, and even withdraw the funds anytime.
Start Investing with SIPs
You can start investing through SIP, in which mutual fund houses deduct a fixed amount every month from the investor’s registered bank account.
Goal-Based Investing
Goal-based investing helps investors plan for long-term goals such as children’s education, buying a house or car, travel, etc. matching the investment amount and fund type to when the money is needed.
Long-Term Wealth Creation
By leveraging compounding and long-term investing, investors can generate wealth through mutual funds.
Types of Mutual Funds ?
Mutual funds are available in different categories to help investors meet a wide range of financial goals, investment horizons, and risk appetites. Broadly, they include equity, debt, hybrid, and solution-oriented funds, and are further classified as active or passive. Each category offers exposure to different asset classes, making it suitable for different investment objectives and financial needs.
Equity Mutual Funds
Equity
Equity mutual funds primarily invest in stocks of listed companies. Their returns can vary significantly with market conditions and may involve higher volatility.
- Invests in stocks of listed companies
- Aims for long-term growth.
- Comes with higher volatility
Debt Mutual Funds
Debt
Debt mutual funds invest primarily in fixed-income securities such as government and corporate bonds. Their risk and return characteristics vary by the securities and schemes they hold.
- Invests in govt & corporate bonds
- Relatively safe, fixed-income focus
- Lower returns than equity, but steadier
Hybrid Mutual Funds
Hybrid
Hybrid Mutual Funds invest in both equities for growth and fixed-income products, such as bonds, for stability. These funds offer diversification, risk management, and asset rebalancing.
- Mix of equity and fixed-income
- Built-in diversification
- Periodic asset rebalancing for risk control
Gold & Silver Funds
Commodity
Gold and silver funds provide exposure to precious metals and may behave differently from equity and debt investments across market conditions.
- Direct exposure to gold and silver
- Performs during disruptions
- Suited to low interest periods
ELSS Tax Saving Funds
Tax Saving
Equity-Linked Savings Schemes are a type of equity scheme that offers tax benefits. You can avail a tax deduction of up to ₹1.5 lakh under Section 80C of the Income Tax Act under the old scheme. However, there is a trade-off: you cannot sell the units of these funds for 3 years.
- Tax deduction up to ₹1.5 lakh
- Under Section 80C (old scheme)
- 3-year lock-in on units
Goal-Based Mutual Funds
Goal-Based
Goal-based mutual fund investing helps investors align their investments with specific financial goals, such as retirement, children’s education, buying a home, or long-term wealth creation.
- Fund mix matched to your goal
- Risk adjusted to your timeline
- Progress tracked against your target
Choose Mutual Funds Based on Your Financial Goals
Mutual funds offer the advantage of goal-based investing, wherein investors invest a fixed amount (via SIP or lump sum) today to achieve a predetermined capital at the end of the period.
Wealth Creation
Investing in mutual funds over a longer period can help investors build wealth through the potential benefits of compounding and market-linked returns.
Retirement Planning
Let’s say you’re 30 years old and plan to retire with ₹3 crore at age 60. A lump-sum investment of ₹10 lakh today could grow to approximately ₹3 crore over 30 years at an assumed return of 12% per annum. Alternatively, investing ₹10,000 every month for 30 years at the same assumed return could accumulate approximately ₹3.49 crore.
Child Education
Education costs tend to rise faster than general inflation, so choosing the right mutual fund and starting early gives your investments more time to keep pace. Use our Child Education Calculator to see how a monthly investment today could grow into the corpus you’ll need.
Tax Saving
ELSS mutual funds are designed to provide tax-saving benefits under applicable tax provisions while offering market-linked investment exposure. Investors should consider the applicable lock-in period and tax rules before investing.
Buying a Home
Planning to buy a home? For example, if you need ₹40 lakh in 7 years, investing ₹30,000 per month at an expected 12% annual return could help you build that amount.
Emergency Fund
An emergency fund covers unexpected expenses or a temporary loss of income. Keeping at least 6 months of expenses set aside helps you avoid withdrawing from your long-term mutual fund investments when the unexpected happens.
Plan Your Investments with Mutual Fund Calculators
Make informed investment decisions with MutualFundWala’s mutual fund calculators. Whether you’re estimating potential returns, planning for future financial goals, or comparing investment approaches, our calculators help simplify your investment planning.
How to Start Investing in Mutual Funds
Starting your mutual fund investment journey is simple. Follow these steps to choose suitable investments and begin working toward your financial goals.
Manage Your Mutual Fund Investments Anytime, Anywhere
The MutualFundWala mutual fund app lets investors across India track their portfolio, manage SIPs, and view all their investments in one place. It’s available on Android and iOS, making it a simple mutual fund app for India’s investors.
Portfolio Tracking
Track your portfolio and see how your investments are performing in real time.
SIP Management
Start, modify, pause or track your SIPs anytime with our online SIP investment app.
Goal Tracking
You can easily monitor your progress and stay focused on achieving your financial goals.
Investment Alerts
Get timely alerts about your investments, SIPs, and important portfolio updates.
Investing with MutualFundWala has been simple, guided, and transparent from day one.
Choosing the right fund for my goals felt straightforward with the guidance provided.
The app makes it easy to track my SIPs and stay on top of my financial goals.
Why Choose MutualFundWala?
AMFI Registered Mutual Fund Distributor
Expert Investment Guidance
Personalized Fund Recommendations
Transparent Investment Process
Frequently Asked Questions
What are mutual funds?
Mutual funds are investment vehicles that pool money from investors to purchase a diversified portfolio of securities, such as equities and fixed income instruments.
How do I start investing in mutual funds?
To start investing in mutual funds, you should register on the MutualFundWala website or mobile application and complete the Know Your Customer formalities.
Which mutual fund is suitable for beginners?
Suitability varies from investor to investor. Mutual fund investing isn’t one-size-fits-all. It depends on your risk appetite, time horizon, goals, etc. That said, if you’re starting out young, equity funds may be a good fit.
Should I invest through SIP or a lump sum?
Both can be used for investing. SIPs can be used to make a fixed investment monthly, while you can deposit extra funds (such as bonuses, increments) as a lump sum.
How much should I invest in mutual funds?
You can start investing in mutual funds from as low as ₹100. Ultimately, the amount depends on risk appetite, future goal, age, income, etc.
Which mutual fund category is suitable for long-term wealth creation?
A diversified portfolio of equity, fixed income, and commodities like gold may suit for long-term wealth creation.
Start Your Mutual Fund Investment Journey Today
