Match Your Needs to Mutual Fund

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  • Mutual funds help meet a broad range of needs, right from wealth preservation to wealth accumulation to tax-saving.
  • It is up to the investor to list down all that he wants to achieve with his money and pick mutual funds that are best positioned to help him meet his goals

Let’s see how this works in the real world with the three broad objectives that most investors hold dear:

  • Accumulating wealth for retirement planning / child's education - think Equity Funds or Hybrid Funds
  • Preserving wealth for contingencies – Debt & Debt Hybrid Funds
  • Saving tax – tax-saving Funds

Let’s take Virat who has these three objectives on his bucket list. He has Rs 15,000 that he wants to earmark towards the three goals monthly. For the sake of simplicity, he divides the sum equally in three parts towards each of these goals via a monthly SIP of Rs 5,000. This is how his money is likely to grow over time

Period Monthly SIP (Rs) Mutual Fund Category CAGR Market Value*
10 Years 5,000 Debt Hybrid Fund 8% 9,20,828
10 Years 5,000 Equity Hybrid Fund 10% 10,32,760
10 Years 5,000 Equity Fund 12% 11,61,695

*Value of Investment ( In Rs Lakhs)

Rate of Return is assumed as per historical performance of asset classes

Mutual Fund Investments are subject to market risks, read all scheme related documents carefully. The information provided is generic in nature and is for informational purpose only. Please consult your financial advisor before taking any decision

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