Mutual Funds

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All about mutual funds

Quick primer to make confident choices.

What Is a Mutual Fund

A mutual fund allows you to pool your money with many other investors to invest in a diverse mix of assets like stocks, bonds, or other securities. With this collective investment, you gain instant diversification and professional portfolio management, without the hassle of managing individual holdings. It’s like owning a slice of an expertly chosen basket of investments. Each share you buy represents a portion of that portfolio and your returns reflect how the entire fund performs.

How Do Mutual Funds Generate Value?

Income Distributions: The fund earns interest from bonds or dividends from stocks, which are then passed to you.
Capital Gains: If the fund’s holdings appreciate and are sold for a profit, those gains are shared with investors.
NAV Growth: As the overall value of the fund’s investments rises (minus expenses), your share’s value grows, enabling you to sell at a higher price.

Why Consider Investing in Mutual Funds?

Diversification: Your investment is spread across many assets, reducing the risk tied to any single one.
Professional Management: Fund managers research and adjust the portfolio to align with its objectives.
Convenient, Low Entry Point: Most funds let you start with small amounts—plus, they rebalance automatically, saving you time and effort.

* Disclaimer: Investments are subject to market risks. Read all scheme-related documents carefully.

Talk to an expert

How do you want to invest in mutual funds?

Choose a mode that matches your cash flow and goals.

SIP (Systematic Investment Plan)

Invest a fixed amount regularly (e.g., monthly).

  • Rupee cost averaging
  • Disciplined approach
  • Great for salaried

    • Lumpsum

    Invest a larger amount at once for long-term growth.

  • Best for windfalls
  • Simpler tracking
  • Time in market

    • Start Your Investment

    Tell us your preference and we’ll help you begin.

    Pick a Goal

    Retirement, education, wealth creation, or tax saving.

    Risk Preference

    Choose a comfort level to match fund types.

    Investment Mode

    Go with SIP or a one-time Lumpsum.
    Get Suggested Plan

    Talk to an expert




      FAQs on Mutual Funds

      What is NAV in mutual funds?
      NAV stands for Net Asset Value. It represents the per-unit value of the mutual fund. It’s calculated by dividing the total value of the fund’s assets minus liabilities by the number of units outstanding.
      What’s the difference between SIP and lump sum investing?
      • SIP (Systematic Investment Plan): You invest a fixed amount regularly (e.g., monthly).
      • Lump Sum: You invest the entire amount at once.
        SIPs are ideal for disciplined investing, while lump sums can be beneficial if you have a large amount to invest at one time.
      Are mutual funds risky?

      All investments carry some risk, but mutual funds help manage risk through diversification. The risk level depends on the type of fund equity funds have higher risk and potential returns, while debt funds are generally more stable.

      How do I choose the right mutual fund?

      Consider your financial goals, risk tolerance, and investment horizon. StockStreet experts can guide you to the most suitable options based on your profile.

      Can I withdraw my money anytime?

      For most open-ended mutual funds, you can redeem your units anytime. However, certain funds like ELSS (tax-saving funds) have a lock-in period.

      Is investing in mutual funds safe for beginners?

      Yes — especially if you start with diversified funds like balanced or index funds. They require no advanced stock-picking skills and are professionally managed.

      How can I start investing in mutual funds with StockStreet?

      You can start in just a few steps:

      1.Open your account with StockStreet.

      2.Choose a fund or talk to an expert

      3.Start with as little as ₹500 via SIP or invest a lump sum.

      Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past Performance of the Scheme is neither an indicator nor a guarantee of future performance.

      Mutual Fund distribution services are offered through Arbaaz I Jamadar with AMFI Registration No.: ARN -262843. Terms and conditions of the website are applicable. Privacy policy of the website is applicable.