Mutual Funds are a great way of investing money which ensure high returns. There are a lot of other advantages associated with mutual fund investments like asset diversification, professional money management etc. However, there is also a certain amount of risk associated with these investments like variations in the interest rates, credit risks, liquidity risks. There a large variety of mutual funds which are the safest investment options out of the lot and people can fearlessly invest in them. The performance of these mutual funds are tested and verified in the long run.
A LIST OF THE SAFE MOST MUTUAL FUNDS IN INDIA
The mutual funds are of different types like equity funds, balanced funds, debt funds etc. Before you decide to choose a particular type, always ensure that you have gone through the required details associated with the funds. Know more about the mutual funds first, if you have any uncertainties. The following section enlists all the viable and safest mutual fund investment options that can be availed by a person in India:
- ICICI PRUDENTIAL FOCUSED BLUECHIP EQUITY
This mutual fund is large cap which fights out the risk of repeated corrections which occur in case of mid cap funds. This mutual fund returns for three year periods and is provides the best risk adjusted returns as compared to the others in the segment.
- BIRLA SUN LIFE FRONTLINE EQUITY
This is a large cap equity fund and provides a return percentage of 17.7 for three years and 18.2 for 5 years. The insurance policy has been given a 5 star FI rating. The risk adjusted return is beyond average. It is primarily aimed for financials and energy sectors.
- MIRAE ASSET INDIA OPPORTUNITIES
This is a diversified equity fund and provides a mid cap exposure with a control over the risk. This mutual fund has delivered 7 percentage points beyond the set standard. The 5 star rated mutual fund has return percentages of 21.2 and 19.8 for 3 year and 5 year return periods.
- FRANKLIN INDIA PRIMA PLUS
It is a diversified equity fund and has performed beyond its category average. The volatility is relatively low while the risk adjusted returns are much higher. It is good to sustain the downsides during the market correction periods. It offers 21.2 and 18.7 return percentages for 3 year and 5 year periods.
- TATA BALANCED
This mutual fund offers great risk adjusted returns and beyond average equity exposure. It bears a diffused portfolio and is focussed for financials, energy and construction. It offers return percentages of 19.5 and 18.4 for 3 and 5 year return periods.
- BIRLA SUN LIFE DYNAMIC BOND
This mutual fund has been consistently performing better and above the set criteria. It has been offering beyond average risk adjusted returns and has a low volatility.
- HDFC MEDIUM TERM OPPORTUNITIES FUND
This is the steadiest income mutual fund available in the market. The risk adjusted return is the best in category. This mutual fund provides the least volatility. It has been given a 5 star FI rating basing on its performance.
- UTI TREASURY ADVANTAGE
This ultra short term fund is for one year and a past record depicts zero losses which makes it the best ultra short term fund.
- HDFC BALANCED FUND
This has been delivering an average equity exposure of 66 to 70%. It transforms into mid cap to generate better returns during crises.
- ICICI PRUDENTIAL MIP 25
This debt oriented fund and has been beating its competitors at 2 percent above the benchmark of the segment.
People can choose from the large variety of investment options available in the market only after a thorough analysis of the policy papers so that they get maximum benefits from the investment.