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MUTUAL FUND
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MUTUAL FUND
Secure your financial future with Finwelco’s expert guidance in choosing the right mutual funds. We connect you with top providers, offering simplicity, accessibility, and diversification, ideal for both beginners and seasoned investors. Let Finwelco help you start your investment journey or expand your portfolio to achieve your wealth-building goals effortlessly.
ELSS Fund
Liquid Funds
Debt Fund
Sector Fund
Large Cap Fund
Mid Cap Fund
Index Fund
BENIFITS
Mutual Fund with Finwelco
Diversification
Reduce risk with access to a variety of assets like stocks and bonds.
Professional Management
Benefit from expert fund managers using in-depth research for better returns.
Affordability
Start investing with just ₹500 per month to grow wealth steadily.
Flexibility
Choose funds aligned with your risk tolerance and financial goals.
Liquidity
Enjoy easy redemption of investments, ensuring funds are available when needed.
Tax Benefits
Save taxes by investing in ELSS under Section 80C of the Income Tax Act.
How we simplify mutual fund investments in just 30 minutes to 6 hours!
Achieve your financial goals in 3 simple steps with a quick, easy, and investor-friendly process!
Our Expert advisor
visits you
visits you
Our advisor will help you
choose the right Plan
choose the right Plan
How’s Finwelco different?
Customizable Mutual Fund
Flexible mutual fund options to help you achieve your investment goals.
Secured Data System
Your privacy is our priority, safeguarded with advanced encryption technology.
24/7 Customer Support
Our dedicated support team is always available to assist with your investment needs.
User-Friendly Experience
A simple platform that ensures a seamless experience from investing to managing your portfolio.
Flexible Investment Options
Choose from a variety of mutual fund plans that fit your financial objectives and risk tolerance.
Quick Investment Processing
Fast processing to get your investments started with ease and efficiency.
FAQ
Frequently asked questions
What are mutual funds?
Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities. The fund is managed by professional portfolio managers, who allocate the fund’s assets according to the investment objective.
How do mutual funds work?
When you invest in a mutual fund, you buy units of the fund. The value of these units fluctuates based on the performance of the securities in the fund’s portfolio. The fund’s returns are passed on to investors as dividends or capital gains, depending on the type of fund.
What are the different types of mutual funds?
The main types of mutual funds include:
● Equity Mutual Funds : Invest primarily in stocks, offering high returns but with higher risk.
● Debt Mutual Funds: Invest in bonds or other fixed-income securities, offering lower risk and more stable returns.
● Hybrid Funds : Invest in a mix of equities and debt instruments to balance risk and return.
● Index Funds : Track the performance of a specific market index, such as the Nifty or Sensex.
● Sector Funds : Focus on specific sectors like technology, healthcare, or finance.
● ELSS (Equity-Linked Savings Scheme) : Tax-saving mutual funds with a lock-in period of 3 years.
What is the minimum investment amount in mutual funds?
The minimum investment amount in mutual funds can vary by fund. For most mutual funds, the minimum investment starts from as low as ₹500 for a systematic investment plan (SIP) and ₹1,000 for lump-sum investments.
What is a Systematic Investment Plan (SIP)?
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly (monthly or quarterly) in a mutual fund. SIPs help investors build wealth over time through disciplined investing and compounding returns.
● Market Risk : The value of your investment may go up or down based on market conditions.
● Interest Rate Risk : Debt funds can be affected by changes in interest rates.
● Credit Risk : Some funds may invest in corporate bonds or other debt instruments with varying levels of credit risk.
● Liquidity Risk : Some mutual funds may have limited liquidity, especially in cases of sector-specific or long-term investment funds.
What are the costs associated with mutual funds?
Mutual funds charge various fees, such as:
● Expense Ratio : The annual fee charged by the fund for managing the portfolio.
● Exit Load : A fee charged if you redeem your investment within a specified time period, usually 1-3 years.
● Transaction Fees : Fees for buying or selling units of the fund, depending on the fund house.
What is the difference between direct and regular mutual funds?
Direct Mutual Funds : These funds are purchased directly from the fund house, without any intermediary. They offer lower expense ratios but require more time and knowledge to manage.
Regular Mutual Funds: These funds are purchased through a distributor or broker, who helps with the selection and management. They come with higher fees, as distributors earn commissions on your investment.
How do I choose the best mutual fund?
To choose the best mutual fund, consider the following factors:
● Investment objective : Define your financial goals (short-term, long-term, tax-saving, retirement).
● Risk tolerance : Choose funds based on how much risk you're willing to take (equity, debt, hybrid).
● Fund performance : Evaluate the fund’s historical performance, but remember past performance doesn’t guarantee future results.
● Expense ratio : Compare the fund’s expense ratio to ensure it is competitive.
● Fund manager’s expertise : Look for funds managed by experienced professionals with a solid track record.
Can I withdraw my mutual fund investment anytime?
Yes, you can redeem (sell) your mutual fund units at any time, provided it is a liquid fund or an open-ended scheme. However, some funds may charge an exit load if redeemed within a short time frame, typically 1-3 years.
How are mutual funds taxed?
The taxation of mutual funds depends on the type of fund:
● Equity Funds : Long-term capital gains (LTCG) are tax-free up to ₹1 lakh per year. Gains above ₹1 lakh are taxed at 10%. Short-term capital gains (STCG) are taxed at 15%.
● Debt Funds : LTCG are taxed at 20% with indexation benefits. STCG is taxed according to your income tax slab.
● Hybrid Funds: : Taxed based on the equity and debt proportion in the fund.
How can I invest in mutual funds?
You can invest in mutual funds by:
● Visiting the fund house’s website and investing directly.
● Using a mutual fund investment platform or app.
● Through financial advisors or brokers who offer mutual fund investment services.
What documents do I need to invest in mutual funds?
To invest in mutual funds, you will typically need:
● PAN card
● Aadhaar card
● Bank account details
● Address proof (e.g., utility bill or passport)
● Photograph
● KYC (Know Your Customer) compliance is mandatory for all investors.
Why choose Finwelco for investing in mutual funds? Finwelco offers:
A wide range of mutual fund options, from equity to debt funds.
● Expert advice to help you choose the best fund for your investment goals.
● Hassle-free investment process with competitive returns.
● Regular portfolio tracking and updates to ensure optimal performance.
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