In this series, today we are going to tell you about mutual fund schemes, where you can get good returns by investing. It is worth noting that there is a high risk of market risks in this area of ​​investment. However, the chances of getting returns from here are also quite good. Many mutual fund schemes have given excellent returns in the past years

. It is important to keep many things in mind while investing in a mutual fund scheme. In this series, let us understand the mathematics of investment, with the help of which you can collect Rs 1.4 crore by investing Rs 5,000.

For this, first of all you have to select a good mutual fund scheme. After that SIP has to be made in it. After making SIP, you will have to invest Rs 5,000 in it every month.

You have to invest Rs 5,000 every month for 30 years. Apart from this, you have to expect that your investment will get an estimated return of 11 percent every year. In this case, you can collect a total of Rs 1.4 crore at the time of maturity. With this money received at the time of maturity, you will be able to live a financially independent life.

Disclaimer: Money invested in mutual funds is subject to market risks. Before investing in this, definitely take advice from experts. If you invest in mutual funds without knowledge. In this situation you may have to face a big loss. The returns on investments made in mutual funds are determined by market behavior.

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Bajaj Finserv received final registration from the Security and Exchange Board of India (SEBI) to commence its mutual fund operations under Bajaj Finserv Mutual Fund in March 2023 with Bajaj Finserv Asset Management Limited (BFAML) as the investment manager.

Bajaj Finserv Mutual Fund

had filed its first 7 schemes with SEBI in March and April 2023, namely Liquid Fund, Money Market Fund, Overnight Fund, Arbitrage Fund, Large & Mid-Cap Fund, Balanced Advantage Fund and Flexi Cap Fund.

Bajaj Finserv Liquid Fund is an open-ended scheme, which will invest in debt and money market options with a maximum maturity of up to 91 days. It is a better option for investors who want to invest in the market for an emergency fund, as it provides easy liquidity and can be redeemed immediately when required.

Important Points- Bajaj Finserv Overnight Fund invests in money market and debt options with maturity. It is specially designed for businessmen and corporates who require frequent short term deposits of large sums of money. If they have a big fund and it is going to be needed after a few days, then till then they can take advantage by investing in this scheme.

Ganesh Mohan, Chief Executive Officer, Bajaj Finserv Asset Management Ltd. said, “At Bajaj Finserv AMC, we believe that your money should work hard for you every day.

But the money lying with you in the form of savings or current account cannot do this work. Your money can grow even in a very short period. He says that by following our prudent risk management practice, our first priority is to provide safety of investment, followed by liquidity and then returns.

Note- What are liquid funds- Liquid funds come under the debt category of mutual funds. These schemes invest money in very short term market instruments. These include treasury bills, government securities and call money.

Liquid funds offer slightly higher returns than savings bank accounts. There is no problem of liquidity in these either. That is, you can withdraw money whenever you want.

This is the reason that their popularity is increasing among investors. Money comes to your account within a day of applying for withdrawal from these funds.

Experts say that liquid funds have the least risk. Not only this, they have the lowest volatility among all the categories of mutual funds. There is a special reason for this. In fact, these funds generally invest in instruments with high credit ratings (P1+). The Net Asset Value of these funds keeps on changing. It depends on the interest earned from the instrument.

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According to the information received by CNBC TV18, a decision can be taken soon. At present, some percentage is charged as fee on the basis of different types of schemes size and assets under management (AUM).

How to be charged

With many actively managed mutual funds failing to beat their benchmark indices, SEBI is preparing to propose a new category of mutual fund schemes with performance-linked fees. FYERS Head of Research Gopal Kavalireddy said that the proposal is similar to the charge structure of Portfolio Management Services (PMS), under which mutual funds will be able to charge advance fees. PMS is a professional financial service where the equity portfolio is managed by skilled portfolio managers and stock market professionals with the help of a research team.

what will be its impact

Kavalireddy believes that this regulation has been prepared keeping in mind the investors, which can prove to be effective in providing higher returns. He said that for some time SEBI has been making changes in the investment rules to benefit the investors. This new proposal seems correct in view of the present circumstances. Because some mutual fund schemes have performed poorly over a long period of time while some have given better returns as compared to top PMS schemes. Sourav Basu, head of wealth management at Tata Capital, said the initiative would encourage fund managers to generate better returns for investors.

However, in the meantime Basu also talked about its negative point. Told that fund managers may take undue risk to earn higher returns and earn higher fees, which may later affect investors. Vinayak Magotra, founding member, Product at Centricity, said investors may find it difficult to understand such a fee structure. This may increase confusion, due to which the participation of investors may decrease.

Basu said it is important to carefully consider the potential risks and benefits before deciding to invest in funds that charge such fees. He further said that it is also necessary to carefully evaluate the track record and investment strategy of the fund manager.

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Because of which people are very fond of investing in Mutual Funds. You can get better returns by doing small SIP in mutual funds. If you also want to improve your portfolio, then investing in Mutual Fund Scheme can be a very good option.

Today we are telling you about such a mutual fund scheme, which has given its investors a fund of more than 10 lakhs on SIP of 10,000 in the last three years. This mutual fund is Quant Small Cap Fund Direct Plan.

Investors got bumper returns

Many financial experts keep advising people to invest in mutual funds. Quant Small Cap Fund has given investors a return of 64.5% in the last 3 years under the direct plan. A monthly investment of Rs 10,000 in this fund grows to around Rs 10.9 lakh in three years. Done. On the other hand, the regular plan of the scheme has given a return of 62.19 per cent in three years. Due to which the monthly SIP of Rs 10,000 increases to approximately Rs 10.4 lakh.

Top Stock Holdings

Top Stock Holdings in the Fund’s Factsheet for April 2023 are Reliance Industries, ITC, HDFC Bank, Jindal Stainless, RBL Bank, IRB Infrastructure, Punjab National Bank, Bikaji Foods International, Usha Martin and Just Dial This Small Cap Fund The top 10 stocks held are. Quant Small Cap Plan has allocated 15.3% of its capital to banks, followed by petroleum products (6.52%), pharmaceuticals (5.86%) and construction (5.78%).

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