Take the right step today to achieve your financial goals. Start investing in Mutual Funds.
Disclosure for Marketing or Referring of Mutual Fund or Insurance Product & Products of Other Financial Companies *Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.
What is Mutual Fund?
Mutual funds pool money from several investors and invest across asset classes like Equity, Debt or Gold in-line with stated investment objectives.
Do you have financial goals which you want fulfilled but need professional help to achieve the same? Do you want to invest in stocks, but are apprehensive of the stock markets and their volatility? Do you want to achieve financial freedom, but not sure of which assets to own in the long term? Is Tax saving a priority but selecting the right tax-saving solution confusing?
Investing in Mutual Funds is the solution to all such financial questions. Mutual Funds offer inflation-beating and tax-efficient returns in the long term, are liquid instruments and offer you complete control over your money and freedom to invest as per your specific needs. Investors can invest across varied asset classes such as equity, debt or gold as per their risk/return profile.
As an esteemed Bank of Baroda customer, we have made it seamless for you to invest in top performing mutual funds across different fund categories such as Equity Funds which offer long term wealth creation, Debt fund which offer stability to your portfolio, Tax Saving funds, Balanced Funds and Liquid and Short-term funds for short term requirements amongst others. You can invest securely and digitally through your internet banking account or the BOB World Mobile app, in just a few clicks.
Mutual Fund Investment : Benefits
- Helps in Long term Wealth creation
- Diversification
- Professional management
- Liquid
- Well regulated
- Tax Benefit
Mutual Fund Investment: Types of Mutual Fund
Equity Mutual Fund
- Invest primarily in Equity & Equity related securities
- Could be volatile in the short term but tends to perform well over longer horizon
- Suitable for Investors with high risk appetite & long investment horizon
Debt Mutual Fund
- Invests primarily in Debt Securities such as Corporate bonds, Government securities, money market instruments etc.
- Less Volatile than Equity & Hybrid funds
- Suitable for risk averse investors
Hybrid Mutual Fund
- Invests in mix of Equity & Debt securities as per the investment objectives of the fund
- Risk-return matrix is between equity & debt funds
- Suitable for investors who want to participate in Equity markets but do not want much risk
Index Funds
- Index Funds replicate a particular index such as Nifty 50, Sensex or a particular sectoral index such as Banking, Consumption etc
- Return from the index tends to mirror the index which it is replicating
- It is a passive investment strategy as Fund managers do take active calls
Solution Oriented Funds
- Solution oriented funds are aimed at a specific purpose such as retirement planning & children’s education
- They generally invest in either only equity or a mix of Equity & Debt
- They are open ended funds but have a lock-in period
Liquid Funds
- Liquid Funds Invest in securities having a maturity of 91 days
- They are highly liquid and contain very low risk
- Investors tend to use Liquid fund to park their surplus funds for emergency purposes