Top 3 Mutual Funds In India 2019 | Explained In Hindi | Policy Planner

Top 3 Mutual Funds in 2019

Our topic is basically on top 3 mutual funds in 2019 on which SIPs must be done.

A detailed category wise explanation is carried out in this video. So do stay with us till the end of this video.

Mutual Funds

Nowadays mutual funds are very popular because there is no entry load as well as exit load present in mutual funds after a year. Locking period is also absent in mutual funds.

Mutual funds are also very transparent and due to market linking, the chances of greater returns are possible.

India is the second biggest market in the world after China. GDP of India is also at a higher level. So we must invest in the economy of India.

What is economy?

There are many different companies working in India. Such as Bajaj Automobiles, Infosys, TCS, Wipro, HDFC, ICICI Bank and SBI.

So investments must be done in the shares of these companies. The investments in these companies are basically what economy means! Our economy is increasing only with the help of these companies.

Our economy of India is increasing only with the help of investments in the shares of these companies. These companies are getting a lot of money only with the help of these companies.

India is basically a developing country. So we must invest in the mutual funds of these companies.

There are two types of investing in mutual funds:

One-time mutual funds: One-time means basically lump sum amount which is less than Rs.5000.
SIP: It basically stands for ‘Systemeactic Investment Plan’. In this plan, Rs.1000 amount can be saved monthly. Some SIPs also start from Rs.500.

Habitual savings can be done with the help of SIPs. The market will be any different levels each month and you will get average income by investing in mutual funds.

Long term SIPs are very effective in mutual funds. Many clients are happy by continuing the plan of these mutual funds.

Online ULIP (Unit-Linked Insurance Plans) are also very effective for monthly investments.

How to choose exact mutual funds?

There are more than 40 asset management companies in mutual funds. So there are many different mutual funds available in the market.

There are many different categories present in mutual funds. SIPs must be taken in equity funds only.

Equity funds are very volatile in nature. So many benefits are present in SIPs.

For example:
Gold rate is approximately Rs.32,000 present. If the gold rate falls to Rs.25,000 to Rs.20,000 then it just be bought as it will increase in the future. Likewise the Indian market is dependent on Sensex and Nifty.

In the long term period, the index will increase surely. There are many impacts such as elections and monsoons. There are many funds managers appointed by the mutual funds which are expert.

Equity basically means people which invest in share market. Mutual funds are basically subject to market risks.

There is no guarantee in mutual funds. There are always ups and downs in the market which must not be forgotten.

There are 3 categories in which investments must be done:

Equity Diversified Funds
Large-Cap Mutual Funds
Small/Mid Cap Funds

Equity Diversified Funds-

Portfolios are basically diversified in this type of mutual funds.

For example:
Rs.100 will be invested in many different companies. There are large-cap companies present in this category which are mainly diversified. Large-cap and the companies above mid-cap are present in this category which is near to Sensex or Nifty.

There are 50 share companies present in Nifty and 30 top share companies are present in Sensex.

Diversified Axis Focused 25 fund is present in the diversified category which is one of the primary mutual fund present in the diversified category. They have mainly focused on 25 shares of these mutual funds. So they invest only in these 25 shares.

2) Large Cap Fund-

There are many different types of funds present in this category.

This category includes-
SBI Blue Chip Fund
Aditya Birla Sun Life- Blue Chip Equity Fund

3) Small and Mid-Cap Fund-

Upcoming successful startups are basically present in this category. There are many successful upcoming startups present in this type of category.

Small capitalization in the share market is the full form of ‘Small Cap Fund’. Stocks must be studied before investing in mutual funds.

More risktaking funds should be purchased so that returns can be much greater as compared to other funds.

13% to 18% of returns are present in only diversified and large-cap fund SIPs. The returns can be 20% in small/mid-cap funds. Reliance Small Cap and HDFC Small Cap funds can be suggested in small-cap funds.

Here are also many large fund house present nowadays. Fund size of these large fund caps is greater.

For eg:
If we want to save Rs.3000 every month then money can be divided into categories 5 to 6 funds must not be issued as it is very hard to track the portfolio of the diversifications.

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