Mutual Fund Investment Ideas for Beginners
What is a Mutual Fund?
In simple terms, a mutual fund investment product is formed from money supplied by multiple individuals and/or companies, which is managed by a professional fund manager. The fund manager uses his discretion to invest the money in various sectors in various forms of securities. The purpose of spreading it in different areas is to hedge against the potential losses that would be incurred if a single sector were to suffer a crash. The fund manager invests according to the investors’ risk tolerance. The overall aim is to maximize the return on investment for everyone. His own salary may be fixed regardless of how well he succeeds, or he may receive bonuses for achieving a good performance. It is not necessary that each investor contributes the same amount of money to the fund.
Those who contribute more are entitled to a higher percentage of the gains. To understand more easily who owns how much of the fund, and how much the fund is worth at any given time, it is divided into ‘units’. An investor holding two units will be in receipt of two times as much of the profit share compared to someone who only owns a single unit. The current worth of the mutual fund itself is expressed as a price (Net Asset Value) per unit.
Mutual funds generate ‘passive income’, which means apart from supplying the initial capital funds there is no day-to-day work for the investor as everything is handled by the fund manager. Monthly dividends are credited to the investor’s account automatically each month.
Different Types of Mutual Funds
Now that you understand what a mutual fund is, you should learn that there are several different types. Not all mutual funds are equal to each other. In fact there are many variants. In order to make a decision on which type you would prefer to invest in, you must consider your aims, as all investors should have a plan. Some mutual fund products are intended to generate more profit in a short time, but have inherently higher risk. Others are designed to be long-term investments with more modest monthly returns but much less risk. You should ask yourself how much you can afford to invest, how long you wish to invest for, and how much risk you are prepared to tolerate. Most types of mutual funds allow you to put money in or pull your money out when ever you chose, but not all.
The ELSS (Equity Linked Saving Scheme) for example has a minimum lock-in period of three years. It does come with its own special benefit though. That is the fact that it qualifies for tax deduction on up to Rs. 1.5 lakh. This is a unique opportunity to put some of your salary away and not be taxed on it, and earn returns in the meantime. With the sheer amount of mutual funds available to invest in all with different risks as well as different benefits. It is an absolute minefield for the uninitiated. This is why it is highly advisable to invest with the assistance of a broker, at least in the early days of your investment career.
Ready to Invest? How to Get Started?
If you are convinced of the benefits of mutual funds investment in India, and wish to make an investment yourself, you must be wondering how to get started. It is actually possible for anybody to contact a mutual fund company directly and ask to buy units. This is considered risky for newcomers as although the company can sell the units, they are not best placed to give advice, and make sure that the investor knows the full implications and risks of what he is buying into. For newcomers it is highly recommended to begin trading with the assistance of a reputable broker such as GOODWILL INDIA.
These kind of brokers are well placed to coach and mentor newcomers and may even publish a mutual fund investment guide for beginners. They can provide you with all the support you need to get started in mutual find investing and avoid the pitfalls that can often catch out novices if they are not pointed out to them. GOODWILL INDIA will be able to open a Demat Account on your behalf, absolutely free of charge! Demat accounts make the buying and selling of mutual fund units so much simpler and safer as they hold all your ownership certificates in the digital domain and do not leave you with the hassle of possessing and protecting masses of paperwork. Many brokers charge to open demat account online, but not GOODWILL INDIA.
Free opening of demat accounts is just one of the many benefits they provide to their customers. A few of the other GOODWILL good value bonus features are daily online webinars providing invaluable tips and strategy ideas for beginners and advanced investors. Customer service telephone lines that are open longer than the competition, unlimited ‘call-and-trade’ service whereby you can phone to place orders, AND a unique mobile application allowing you to monitor your accounts and make trades right from your mobile device, wherever you may be. To top it all off, GOODWILL INDIA have some of the absolute lowest brokerage charges anywhere in India. Why not give them a call on +91 80122 78000 today? Find out just how they can assist you in achieving your investment goals.
If you are a Beginner to Investing, read more from our previous blogs:
Stepping into Share Market Investment: A Guide for Beginners
How to Start Day Trading Online in India for Beginners?
Top 5 Stock Trading Strategies for Beginners in India
How to Invest in Equity Markets: A Beginner’s Guide
The Best Investment Ideas for Beginners in India
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