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Investment Tips: can reduce the risk of equity mutual funds, can get better returns, know what is the way – News in Headlines
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Investment Tips: can reduce the risk of equity mutual funds, can get better returns, know what is the way

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Risk is in every sector, but it also depends on the situation and other reasons. There are many instruments related to investment in the financial sector which have different types of risks. I have learned one thing that investment and risk are two sides of the same coin and always go hand in hand. But for this we should come to manage things. When it comes to investment, first we should prioritize our safety, especially life and health. At the same time, emergency fund should also be arranged for emergency. When both these things are completed then one should think about investing. Before embarking on our investment journey, we have to closely understand the difference between three things, what is the difference between savings, investment and assessment. 

Savings and investment are easy to understand. Whereas speculation is risky, as it is done without understanding the associated risk when investing money in financial instruments. When you read about it, you read it with an investor mindset and not a betting mindset. One of the biggest advantages of investing in mutual funds is that it takes a predetermined strategy, which is done by professionals. Therefore, to understand the risk of investing directly in equity and its risks, you should first invest in mutual funds. 

To qualify for an equity mutual fund, the equity exposure of the fund scheme must be at least 65 per cent, which can be up to a maximum of 100 per cent. In addition there is an equity linked saving scheme (ELSS) in which the equity exposure is at least 90 per cent. The investment in this scheme is for a lock-in period of three years. The scheme also qualifies for tax deduction under section 80C of Income Tax.

The Universe of equity mutual funds provides substantial diversification in India’s market capitalization and international stocks along with sectors. Various methods of investment are adopted for this. One can invest in Equity Mutual Funds through Systematic Investment Plan (SIP) to manage investment risk.

There are many benefits of investing through SIP, but the biggest problem is the cost of rupees. When you invest through SIP, the mutual fund scheme gets more units when the market is down and the number of units decreases when the market is up. This method gives an opportunity to buy average units in the fund scheme after a period. The most important thing to note is that SIP handles emotions in the event of ups and downs of the investment market to achieve your financial goals.

Equity mutual funds are suitable for long-term investments of 7 to 10 years or more. Equity mutual funds demonstrate the power of compounding over the long term. You can start investing by setting a financial goal. To achieve this goal one has to decide the amount and duration of investment. According to your financial goal, many online calculators exist to calculate SIP investment. Through this you can calculate the estimated return. You can create a mix portfolio of equity mutual funds to achieve your financial goal within a fixed number of years. 

Typically a portfolio may have 4 to 5 fund schemes, which you can decide after negotiating with an investment advisor. An investment adviser can give the best advice based on your experience during the conversation. I too can only give you good advice after negotiating because I too have a mentor to help me achieve my financial goals.

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Rajveer Sekhawat

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