Understand how SIPs, lump-sum investing and different fund categories work, and how your risk profile should guide your choices, before you invest.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance is not indicative of future returns. Returns are not guaranteed.
Ways to invest
Two common ways to invest in mutual funds. Neither guarantees returns.
Invest a fixed amount at regular intervals, usually monthly. Because you buy across different market levels, it can reduce the impact of timing the market, and it builds a disciplined habit.
Invest a larger amount at one time, for example from a bonus, maturity proceeds or savings. Outcomes depend on the market level at the time of investing and how long you stay invested.
Fund categories
A simple orientation. Always read the scheme documents for specifics.
Invest mainly in company shares. Higher potential for long-term growth, with higher volatility. Generally suited to longer horizons and higher risk tolerance.
Invest in bonds, government securities and money-market instruments. Generally less volatile than equity but not risk-free: interest-rate and credit risks apply.
Blend equity and debt in varying proportions to balance growth and stability. The mix and risk differ widely by scheme type.
Know yourself first
Your comfort with volatility and your investment horizon should come before choosing a fund.
Profile 1
Prioritises stability and capital preservation; accepts lower return potential. May lean towards debt-oriented categories.
Profile 2
Accepts some volatility for balanced growth. May consider hybrid or a mix of equity and debt categories.
Profile 3
Comfortable with significant short-term swings for long-term growth. May consider equity-oriented categories.
These are general descriptions, not a risk assessment or a recommendation. A formal suitability assessment by an appropriately registered professional is advisable before investing.
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