Mutual Funds
Diversified Investing Made Simple
A mutual fund is a trust that pools the savings of investors who share a common financial goal. The collected money is invested in a diversified portfolio of securities managed by professional fund managers.
Mutual funds offer the convenience of paperless investing with dematerialised units. Whether you seek growth, income, tax savings or balanced exposure, there is a mutual fund scheme designed for your specific needs.
At R Wadiwala Securities, we help you select the right mutual fund schemes based on your risk appetite, investment horizon and financial goals. Our experts provide personalised guidance to build a portfolio that works for you.
Types of Mutual Funds by Structure
Mutual funds are categorised by their structure, determining how units are issued and redeemed.
Open-Ended Funds
Available for subscription and redemption on all business days. No fixed maturity. Most common type offering high liquidity.
Close-Ended Funds
Have a fixed maturity period. Units can be purchased only during the NFO period and redeemed at maturity or traded on exchanges.
Interval Funds
Combine features of open and close-ended funds. Units can be traded during specific intervals at prevailing NAV.
Types of Mutual Funds by Objective
Choose funds aligned with your investment goals and risk tolerance.
Growth Funds
Invest primarily in equities for capital appreciation. Ideal for long-term investors with higher risk appetite.
Income Funds
Focus on debt instruments to provide regular income. Suitable for conservative investors seeking stable returns.
Balanced Funds
Invest in both equity and debt to balance growth and stability. Offer moderate risk and return profile.
Money Market Funds
Invest in short-term debt instruments. Low risk with modest returns, ideal for parking surplus funds temporarily.
Tax Saving (ELSS)
Equity Linked Savings Schemes offering tax deductions under Section 80C with a 3-year lock-in period.
Index Funds
Passively managed funds that replicate the composition of a market index like Nifty 50 or Sensex.
Sector Specific Funds
Invest in specific sectors like banking, pharma or IT. Higher risk but potential for outsized returns when the sector performs well.
10 Benefits of Mutual Funds
Why millions of investors choose mutual funds for wealth creation.
Professional Management
Your money is managed by experienced fund managers who conduct in-depth research and analysis.
Diversification
Spread your investment across multiple securities to reduce risk and optimise returns.
Convenient Administration
Hassle-free investing with paperless transactions, online access and automated processes.
Return Potential
Mutual funds have the potential to deliver superior returns compared to traditional savings instruments.
Low Costs
Economies of scale reduce the cost per unit of investment, making mutual funds cost-effective.
Liquidity
Open-ended funds can be redeemed at any time at prevailing NAV, offering high liquidity.
Transparency
Regular disclosures of portfolio holdings, NAV and performance ensure complete transparency.
Flexibility
Options like SIP, STP, SWP and switch between schemes offer flexible investing.
Choice of Schemes
Wide range of schemes catering to different risk profiles, investment horizons and objectives.
Tax Benefits
ELSS funds offer tax deductions under Section 80C. Long-term capital gains enjoy favourable tax treatment.