Mutual Funds Investment Online – Beginners Guide
Mutual Funds Investment Online – Beginners Guide : A mutual fund pools money from many investors to invest in stocks, bonds, or other assets. A professional fund manager handles this portfolio
In a short, I will tell you from mutual funds, but a little next level information is not necessary for people. Which you are going to get in this post today. The first thing, let me tell you that if you want to create a long term health, these facts you want to do your financial planning.
SIP ( Syesmetic Investment Plan)
A SIP (Systematic Investment Plan) is simply a way to invest a fixed amount regularly—typically monthly—into a mutual fund. It’s not a product itself, but a method for investing in mutual funds. You decide the amount, frequency, and fund, and the money gets automatically debited from your bank account and invested at the prevailing NAV
Mutual Funds Investment Online – Beginner Guide : This post will help you a lot. We are going to talk about the education of the basic level, which is necessary for you, that we are going to talk about the financial knowledge about it, so this post is a heli import one, then you will watch this post till you and you. The second thing if you like the information, you will definitely share this post.
Which stocks are not good for investment. After that you also said that if you want, you can do SIP inside the stock. Systematic investment planning that you are investing on the same stock every month on a date of the month. Now it is done to invest in a stock.
Mid – cap Funds – Mutual Funds Investment Online – Beginners Guide : By SEBI standards, a mid‑cap fund allocates at least 65% of its portfolio to mid‑cap stocks — companies bigger than small‑caps but smaller than large‑caps
Mutual Funds Investment Online – Beginners Guide : Here your money is a little diversified inside the mutual funds. Now diversification also occurs in different ways, of different ways. One is dead mutual funds, you must have heard that there is an equity mutual funds. Mutual Funds Investment Online – Beginners Guide :
You must have heard of the third way, so there are braid mutual funds, so what is these things now? What is this dead equity and habrid first of all I explain to you equity that once I told you that you are doing SIP inside a stock. What is the other if I am inside multiple stocks
Small Cap Funds -Mutual Funds Investment Online – Beginners Guide : Small‑cap funds primarily invest in companies with smaller market capitalizations (typically under ₹5,000 crore in India) and tend to focus on stocks ranked 251st and beyond by market cap Mutual Funds Investment Online – Beginners Guide :
Now equity mutual funds also have many parts. You will listen to these terms generally. Even if not listened, one by one I am going to explain everyone that brother is a large copy funds, a mid -cap funds, a small cap funds. Mutual Funds Investment Online – Beginners Guide :
One is your multi -cap funds, one is your flexi cap funds. You guys are a lot of cafuse, but I am going to convince you one by one in a very easy language. I will also tell you what these facts this date and habrid is. You see what is large cap funds? Cap means market cap.
What Is NSC
Mutual Funds Investment Online – Beginners Guide : Here’s a complete breakdown of NSC — the National Savings Certificate, a popular fixed-income, tax-saving instrument in India Whenever you invest on a stock of that stock, you see the market. Now I told you for the exam. There are two indexes inside India. NSC is made up of the top 50 companies of BS CNS C. The top 50 companies inside the Nifty are on which basis are it. Mutual Funds Investment Online – Beginners Guide :
Mutual Funds Investment Online – Beginners Guide : Whose market cop is at the top. Now which company has become large cup company Basic you can say that Simpli became the company. India’s Top 100 Companies by Their Market Caps, now many people will say that brother, we have to invest in large cup funds. Now if a mutual fund
what Is AMC
Mutual Funds Investment Online – Beginners Guide : An Asset Management Company (AMC) is a financial firm that manages pooled funds from investors. It creates, manages, and operates mutual funds, deciding where and how the money should be invested—such as in stocks, bonds, or other securities
Now what is the mutual fund, now you understand that investment is being done at multiple place, but in what way is the investment inside it? You are not paying any stock directly money. What do you do now? There is a company here which we call AMC. Asset Management Company Simple CA MC means this.
Examples of AMCs
India:
Nippon India AMC
HDFC Asset Management
SBI Mutual Fund
ICICI Prudential AMC
Nipon India AMC –
Mutual Funds Investment Online – beginners Guide : CEO: Sundeep Sikka, MBA (Pune), Harvard alumnus, CEO since 2009, former AMFI Chairperson, instrumental in expansion and acquisition of Goldman Sachs AMC. Abides by SEBI regulations, transparent structure, strict segregation of functions between mutual funds, PMS, and AIFs .Here’s a detailed overview of Nippon India AMC (Nippon Life India Asset Management Limited – NAM India), one of India’s top-tier asset management firms
Formerly Reliance Mutual Fund (1995), rebranded to Nippon India in September 2019 after acquisition by Nippon Life Insurance Japan. Operates under Nippon Life India Asset Management Ltd (public-listed on BSE & NSE), with Nippon Life Insurance as its promoter holding ~72–73% equity. Nippon India Mutual Fund is governed by a trust, sponsored by Nippon Life Insurance & managed by Nippon Life India AMC
HDFC Asset Management –
Mutual Funds Investment Online – Beginners Guide : Here’s a comprehensive overview of HDFC Asset Management Company (HDFC AMC), the investment manager of HDFC Mutual Fund—one of India’s largest and most respected mutual fund firms
Incorporated in 1999 as a joint venture between HDFC Ltd and Standard Life (now Abrdn) Went public in August 2018 .Mumbai, India. Serves as the investment manager for HDFC Mutual Fund, regulated by SEBI, and offers Portfolio Management Services (PMS) and AIFs for HNIs
SBI Mutual Fund –
Mutual Funds Investment Online – beginners Guide : Here’s a detailed overview of SBI Funds Management Pvt Ltd (commonly called SBI Mutual Fund or SBI AMC), one of India’s largest and most trusted asset management firms:
- Founded on 29 June 1987 as a mutual fund sponsored by State Bank of India (SBI); received SEBI registration on 23 December 1993.
- In April 2011, SBI partnered with Amundi (France), with SBI holding a 63% stake and Amundi 37%
- Mumbai; led by Nand Kishore (MD & CEO)
ICICI Prudential AMC
Mutual Funds Investment online – beginners guide : Here’s an in-depth look at ICICI Prudential Asset Management Company (AMC)—India’s second-largest mutual fund house:
- Founded in 1993 as a JV between ICICI Bank (51%) and Prudential Plc (49%)—partnership strengthened in 1998
- HQ in Mumbai, with MD & CEO Nimesh Shah, CIOs S. Naren (Equity) and Rahul Goswami (Fixed Income)
- Offers mutual funds, Portfolio Management Services (PMS), and international advisory mandates
Mutual Funds Investment – (Advantage)
| Merit | Description |
|---|---|
| 1. Diversification | Your money is invested across many companies, sectors, and asset classes, reducing risk. |
| 2. Professional Management | Fund managers handle your investments, research markets, and rebalance the portfolio. |
| 3. Liquidity | Most mutual funds (except ELSS or close-ended funds) allow easy redemption within 1–3 days. |
| 4. SIP Option | You can start investing with small amounts (₹100–₹500/month) through Systematic Investment Plans (SIPs). |
| 5. Transparent & Regulated | All mutual funds are regulated by SEBI and must publish regular NAVs, portfolios, and disclosures. |
| 6. Tax Benefits | ELSS funds offer tax deductions under Section 80C (up to ₹1.5 lakh/year). |
| 7. Range of Choices | Choose from equity, debt, hybrid, index, international, sectoral, thematic, and more based on goals. |
| 8. Cost Efficient | Especially with direct plans, the expense ratios are lower than buying individual stocks or PMS. |
| 9. Goal-based Investing | Funds are designed for short-, medium-, or long-term financial goals (retirement, education, etc.). |
Mutual Funds Investment (Disadvantage)
| Demerit | Description |
|---|---|
| 1. Market Risk | Mutual funds are subject to market ups and downs; returns are not guaranteed. |
| 2. Costs/Fees | Fund houses charge expense ratios, which can reduce net returns—especially in actively managed funds. |
| 3. No Control Over Holdings | Investors can’t choose individual stocks or assets in the fund—everything is chosen by the fund manager. |
| 4. Exit Loads & Lock-in | Some funds charge exit loads if redeemed early. ELSS has a 3-year lock-in period. |
| 5. Performance Variation | Past performance does not guarantee future results—even top-rated funds can underperform. |
| 6. Over-diversification | Investing in too many funds can lead to duplication of stocks and reduce overall returns. |
| 7. Mis-selling | Inexperienced investors may be sold unsuitable funds by agents or distributors. |
| 8. Tax on Gains | Short-term and long-term capital gains are taxable (though lower than FD tax rates in many cases) |
Top 10 Mutual Funds Company Namelist –
Mutual Funds Investment Online – Beginners Guide : Motilal Oswal Midcap Fund – Direct Growth
- 5‑yr CAGR: ~34–35%
- A top mid-cap performer with a strong track record.
- Quant Small Cap Fund – Direct Growth
- 5‑yr CAGR: ~50%
- Among the highest growth small-cap funds, with aggressive returns.
- Nippon India Small Cap Fund – Direct Growth
- 5‑yr CAGR: ~41%
- Large AUM, proven long-term performance.
- ICICI Prudential Infrastructure Fund – Direct Growth
- 5‑yr CAGR: ~38–40%
- Strong sectoral fund capitalizing on India’s infrastructure boom.
- Parag Parikh Flexi Cap Fund – Direct Growth
- 5‑yr CAGR: ~26%
- Diversified multi-cap exposure with global equity mix.
- Axis Bluechip Fund – Direct Growth
- Large-cap, stable returns around ~16–19%
- Canara Robeco Bluechip Equity Fund – Direct Growth
- 3‑yr CAGR: ~26%
- Reliable large-cap option with strong consistency.
- HDFC Mid‑Cap Opportunities Fund – Direct Growth
- 5‑yr ~29–30%
- Excellent mid-cap fund with decade-long performance.
- SBI Small Cap Fund – Direct Growth
- 5‑yr CAGR: ~21–30% depending on source; strong small-cap pick
- SBI Equity Hybrid/Balanced Advantage Fund – Direct Growth
How To Calculate Mutual Funds Investment –
Mutual funds Investment Online – Beginners Guide : To calculate the value of a mutual fund investment, there are two main ways depending on what you’re trying to calculate:
- How much you invested (lump sum or SIP)?
- Duration?
- Expected return rate or current NAV(Net Asset Value).
