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Most new mutual fund investors ask this question while starting their investment journey. But do they get the list easily? Will the magic list make them rich? The answer is no. In most cases, that is.
For example, an online search would often take investors to many websites with ready-made lists. Most often, the schemes may be shortlisted on the basis of their short-term performance. Sometimes, schemes from a single category may dominate the list because that happens to be the flavor of the season.
Here is the list of top 10 schemes:
Some pointers you should keep in Mind
First, find out about each category and whether it is suited to your investment objective and risk profile.
Aggressive hybrid schemes (or erstwhile balanced schemes or equity-oriented hybrid schemes) are ideal for newcomers to equity mutual funds. These schemes invest in a mix of equity (65-80%) and debt (20-35). Because of this hybrid portfolio they are considered relatively less volatile than pure equity schemes that invest the entire corpus only in stocks. Aggressive hybrid schemes are the best investment vehicle for very conservative equity investors looking to create long-term wealth without much volatility.
Some equity investors want to play safe even while investing in stocks. Large cap schemes are meant for such individuals. These schemes invest in top 100 stocks and they are relatively safer than other pure equity mutual fund schemes. They are also relatively less volatile than mid cap and small cap schemes. In short, you should invest in large cap schemes if you are looking for modest returns with relative stability.
A regular equity investor (one with a moderate risk appetite) looking to invest in the stock market need not look beyond multi cap mutual funds or diversified equity schemes. These schemes invest across market capitalisations and sectors, based on the view of the fund manager. A regular investor can benefit from the uptrend in any of the sectors, categories of stocks by investing in these schemes.
Looking for mutual fund SIP portfolios to start investing to create wealth over a long period?
Here are our recommended mutual fund SIP portfolios for three different risk profiles – conservative, moderate, aggressive – and three different basket of SIP investments.
Finally, any search starting with the word ‘best’ is unlikely to offer
you the best solution. You should always choose a scheme that matches your
investment objective, horizon, and risk profile.
Disclaimer: The recommendations and reviews do not guarantee fund performance, nor should they be viewed as an assessment of a fund’s, or the fund’s underlying securities’ creditworthiness.
Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund.
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