Need help in choosing the right Mutual Fund



Mutual funds have been popular amongst Indian investors for a decent time now. But how does a common investor come to the decision about which Mutual Fund is right for him/her, I mean the last thing one should be doing is just entering into mutual fund without assessing if the MF would benefit his/her financial needs.

The purpose of this blog is to try and describe the popular mutual funds currently doing rounds in the investor circle. Mutual funds in general can broadly be classified into 4 major categories i.e.

1. Equity Funds.

2. Debt Funds.

3. Hybrid Funds.

4. Commodity Funds.

Equity Funds: If your risk appetite is on the higher side choosing an Equity based mutual fund would serve your purpose, the composition of this fund would look into companies which are likely to show aggressive growth capital for a specified duration of time. Needless to say that there is also a greater degree of risk associated for all those investing in these funds. However currently this would be ideal for those investors who are especially having age on their side and are willing to be invested for the long term.

There is also the option of investing in Debt funds, which are for those investors who want to opt for mutual funds offering the minimum risk. Investing in Debt funds can be considered a better alternative to investing in banks and fixed deposits.

Thirdly there are Hybrid funds, which act like a balanced mixture of equity and debt funds. In the current market scenario it would be ideal to invest in this type of funds, as they would do quite well balancing the risk-return ratio irrespective of the nature of the markets.

Commodity Funds: To capture the potential of commodities in the Indian market, especially gold there are specific mutual funds like Gold ETF released that specifically cater to invest in gold related investment products.

So on a concluding note, dear investor mutual funds are a tried and tested route towards wealth creation, but you have to be wise in choosing the right mutual fund.

In current times it would be wise to take the assistance of a relationship manager who after understanding your needs would suggest the right mutual fund for you.

We here at Sushil Finance have a dedicated Mutual fund team, with an experienced team of relationship managers who can surely help you in finding the right mutual fund that you need.


1. Views as are mentioned in the article are personal views of Author and nothing to link with Co., its Director and Employees.

2. All investments are subject to market risk and you need to consult your financial advisor/consultant before investment


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