Mutual Fund – Best 2 Mutual Funds To Giving 30% Return Per Annum – Mutual Fund Malayalam 2023

Mutual funds are a popular investment option for individuals who want to invest in the stock market but lack the time or expertise to invest directly in individual stocks. A mutual fund is a type of investment vehicle that pools money from a group of investors and uses it to buy a diversified portfolio of stocks, bonds, or other securities.

One of the key benefits of mutual funds is diversification. By investing in a mutual fund, an individual can gain exposure to a broad range of securities, which can help to reduce the risk of their portfolio. Additionally, mutual funds are professionally managed, meaning that the fund’s investment decisions are made by experienced professionals who have the knowledge and expertise to make informed investment decisions.

Another benefit of mutual funds is their accessibility. Many mutual funds have relatively low minimum investment requirements, making them accessible to a wide range of investors. They are also easy to buy and sell, as they can be purchased and redeemed through a broker or directly from the fund company.

When considering investing in a mutual fund, it is important to understand the risks involved. Like all investments, mutual funds carry a degree of risk, and the value of the fund’s holdings can go up or down depending on market conditions. It is also important to consider the fees associated with mutual funds, as these can eat into the returns on the investment.

Overall, mutual funds can be a good investment option for individuals who want to gain exposure to the stock market and benefit from professional management and diversification. However, it is important to do your research and carefully consider the risks and fees associated with any mutual fund before investing.

Here are the best 2 mutual funds giving 30% return per annum :

1) HDFC Tax Saver Direct Plan

HDFC Tax Saver Direct Plan is a mutual fund scheme offered by HDFC Mutual Fund that invests primarily in equity-linked instruments with the objective of generating long-term capital appreciation and providing tax benefits under Section 80C of the Income Tax Act, 1961.

The fund invests at least 80% of its assets in equity and equity-linked securities of companies across market capitalizations, with a focus on high-growth companies with strong fundamentals. The remaining portion of the portfolio is invested in debt and money market instruments to provide stability and diversification.

One of the key benefits of the HDFC Tax Saver Direct Plan is its tax-saving feature. Investors can claim a tax deduction of up to Rs. 1.5 lakh under Section 80C of the Income Tax Act for investments made in the scheme. Additionally, the fund has a lock-in period of three years, which means that investors cannot withdraw their investment before that period. The fund has a five-star rating from rating agencies like Morningstar and has delivered impressive returns over the long term. However, it is important to remember that investing in equity-linked mutual funds carries a degree of risk, and investors should be prepared for the possibility of loss of capital in the short term.

-> HDFC Tax Saver Direct Plan of HDFC Mutual Fund has given a return of 29.18 per cent over the last three years.

-> Investments have more than doubled in three years. A person who invested Rs 1 lakh three years ago has a value of Rs 2,15,719 as on 25th April.

-> The fund has returned 19.63 percent to SIP investors over a three-year period.

-> A monthly SIP of Rs 5,000 has gone up to Rs 2.40 lakh.

-> 9814.85 crore in assets under management. The net asset value as on April 25 is Rs 865.8. The expense ratio is 1.15 percent.

2) Parag Parikh Tax Saver Fund

Parag Parikh Tax Saver Fund is a mutual fund scheme offered by Parag Parikh Mutual Fund that primarily invests in equity and equity-related instruments with the objective of generating long-term capital appreciation and providing tax benefits under Section 80C of the Income Tax Act, 1961.

The fund aims to invest in a diversified portfolio of Indian equity securities and select debt and money market instruments. It follows a multi-cap investment strategy, investing across market capitalizations and sectors with a focus on high-quality companies that are expected to grow over the long term.

One of the key benefits of the Parag Parikh Tax Saver Fund is its flexibility in terms of investment strategy. The fund has the ability to invest up to 35% of its assets in international equities, providing investors with exposure to global markets and potential for higher returns. Additionally, the fund has a relatively low expense ratio, which can help to boost overall returns.

The fund has a three-year lock-in period and offers tax benefits under Section 80C of the Income Tax Act, making it an attractive option for investors looking to save on taxes. However, as with all equity-linked mutual funds, investing in the Parag Parikh Tax Saver Fund carries a degree of risk, and investors should be prepared for the possibility of loss of capital in the short term.

-> Parag Parikh Tax Saver Fund’s direct plan has a three-year return of 33.85 percent.

-> 1 lakh investment increased to Rs 2.39 lakh.

-> SIP investors returned 20.2 percent during the same period.

-> A monthly SIP of Rs 5,000 grew to Rs 2.41 lakh.

-> The fund manages assets of Rs 1,356.09 crore.

-> The expense ratio is 0.78 percent.

-> The net asset value as on April 25 is Rs 21.24.