Mutual Funds

Introduction to Mutual Funds

Mutual funds are professionally managed investment vehicles that pool money from multiple investors and invest it across equities, debt instruments, or a combination of both. They offer an accessible and structured way to participate in financial markets.

Grow Your Wealth

At TheWealthify, we offer a comprehensive range of mutual fund solutions to help you achieve your financial goals. Our expert team provides personalized guidance to help you select the right mutual funds based on your risk profile, investment horizon, and objectives.

Why Choose Our Mutual Fund Services?

  • Access to funds from top asset management companies
  • Zero commission on direct mutual funds
  • Personalized portfolio recommendations
  • Regular investment reviews and rebalancing
  • Easy online transactions and tracking
  • Systematic investment plans (SIP) facility
Mutual Funds
Equity Funds

Invest in the growth potential of stocks across various market segments and sectors.

LARGE CAP FUNDS
Invest in large, well-established companies for stable returns.
MID CAP FUNDS
Balance between stability and growth by investing in medium-sized companies.
SMALL CAP FUNDS
High growth potential with higher volatility, focused on emerging businesses.
SECTOR FUNDS
Focused exposure to sectors like technology, healthcare, and banking.
ELSS FUNDS
Tax-saving equity funds with a 3-year lock-in and potential for high returns.
INDEX FUNDS
Passive funds that replicate market indices for efficient, low-cost investing.
Debt Funds

Invest in fixed-income securities for stable returns and capital preservation.

LIQUID FUNDS
High liquidity, low risk, ideal for short-term parking of surplus cash.
SHORT-TERM DEBT FUNDS
Invest in debt securities with 1-3 year maturities.
CORPORATE BOND FUNDS
Focus on high-quality corporate bonds.
Hybrid Funds

Get the best of both worlds with funds that invest in a mix of equity and debt instruments.

BALANCED FUNDS
Balanced allocation between equity and debt for moderate risk and returns.
HYBRID FUNDS
Higher equity allocation for greater growth potential with some stability.
DYNAMIC ALLOCATION FUNDS
It dynamically adjusted based on market conditions.
International Funds

Diversify globally by investing in international markets and global leaders.

Global Equity Funds

Exposure to US, Europe, and other developed global equity markets.

International Index Funds

Low-cost passive funds that track leading global market indices.

Top 10 Mutual Funds

Best-performing mutual funds across categories based on long-term consistency.

*For informational purposes only. Past performance does not guarantee future returns.

Top Asset Management Companies

Top Mutual Funds

Investment Calculator

Estimate your wealth creation through SIP or Lumpsum investments.

10 Yrs
12%
10 Yrs
12%

The total value of your investment after 10 Years will be

₹ 5,80,848

Invested Amount ₹ 3,00,000
Estimated Returns ₹ 2,80,848

Benefits & Risks of Mutual Fund Investing

Understand the advantages and potential risks before making investment decisions.

Key Benefits

  • ✓
    Diversification

    Spreads investments across assets, reducing portfolio risk.

  • ✓
    Professional Management

    Managed by experienced fund managers and research teams.

  • ✓
    High Liquidity

    Easy redemption with most funds offering daily liquidity.

  • ✓
    Flexible SIP Options

    Start investing with small amounts on a monthly basis.

Key Risks

  • !
    Market Risk

    Fund value may fluctuate due to market movements.

  • !
    Credit Risk

    Risk of default by bond issuers in debt-oriented funds.

  • !
    Interest Rate Risk

    Changes in interest rates can impact debt fund returns.

How to Invest in Mutual Funds

A simple, structured process to begin your mutual fund investment journey.

01
Complete KYC

Submit and verify your PAN, Aadhaar, and KYC details to activate your investment account.

02
Set Goals & Risk Profile

Define your financial goals and assess your risk appetite with expert guidance.

03
Select Mutual Funds

Choose suitable mutual fund schemes and decide between SIP or lump sum investment.

04
Track & Rebalance

Monitor portfolio performance regularly and rebalance to stay aligned with your goals.

OUR INVESTMENT APPROACH
We follow a structured approach to help you achieve your financial goals through mutual fund investments.
Goal Setting
Define clear financial goals with set timelines and targets.
Step 01
→
Risk Assessment
Assess your risk profile to match your comfort and goals.
Step 02
→
Portfolio Construction
Build a diversified mutual fund portfolio tailored to your goals and risk profile.
Step 03
→
Regular Review
We regularly review and adjust your portfolio to keep it aligned with your goals.
Step 04

What is an SIP?

  • Invest a fixed amount at regular intervals
  • No need for a large one-time investment
  • Builds long-term wealth gradually
  • Encourages disciplined investing
  • Suitable for salaried & first-time investors

A Systematic Investment Plan (SIP) allows investors to invest a fixed sum periodically in mutual funds. It helps reduce market timing risk through rupee-cost averaging and supports long-term financial goals.

Benefits of Investing in an SIP

  • Regular & automated savings
  • Flexible investment amount & frequency
  • Develops financial discipline
  • Low minimum investment
  • Rupee-cost averaging reduces volatility
  • Helps avoid emotional market decisions
  • Ideal for long-term wealth creation

SIP vs Lumpsum Investments

  • SIP invests periodically; Lumpsum invests once
  • SIP reduces market timing risk
  • Lumpsum suits surplus capital
  • SIP builds habit & discipline
  • Choice depends on goals & timing

SIP is suitable for long-term investors who want stability and discipline, while Lumpsum investing may benefit those who can invest during market corrections or have significant idle funds.

SIP Options for Different Age Groups

Investors in their 20s and 30s should focus on long-term wealth creation. With a higher risk appetite and longer investment horizon, equity-oriented funds are ideal to maximize growth potential.

  • Equity Mutual Funds
  • Index Funds
  • Small & Mid-Cap Funds

Investors in their 40s and 50s should balance growth with stability. A diversified portfolio helps preserve wealth while generating steady returns.

  • Balanced Advantage Funds
  • Hybrid Mutual Funds
  • Large-Cap Equity Funds

Investors above 60 should prioritize capital preservation and regular income. Conservative funds help protect savings while ensuring liquidity.

  • Debt Mutual Funds
  • Money-Market Funds
  • Short-Term Income Funds

Things to Consider Before Investing in an SIP

  • Investment amount & frequency
  • Time horizon & age
  • Risk tolerance
  • Fund selection
  • Financial goals

Younger investors may focus on growth while older investors may prioritize capital preservation. SIP planning should align with income stability, life goals, and asset allocation strategy.

General Information on Key Fund Types

Equity Mutual Funds

  • Invest primarily in company stocks
  • High growth potential over long term
  • Suitable for long-term goals
  • Higher risk, higher return

Equity mutual funds invest in shares of companies across different sectors and market capitalizations. These funds are managed by professionals and offer diversification benefits. They are best suited for investors with a long investment horizon and higher risk tolerance. While returns can be attractive, short-term volatility is common.

Balanced Advantage Funds

  • Invest in both equity and debt
  • Dynamic asset allocation
  • Lower volatility than pure equity
  • Suitable for moderate risk investors

Balanced advantage funds dynamically adjust equity and debt exposure based on market conditions. During bullish markets, they increase equity allocation, while in bearish phases they shift towards debt. This helps reduce volatility and smoothen returns, making them suitable for investors seeking a balance between growth and stability.

Debt Funds

  • Invest in fixed-income instruments
  • More stable and predictable returns
  • Lower risk than equity funds
  • Ideal for income generation

Debt funds invest in instruments such as bonds, treasury bills, and other fixed-income securities. They aim to provide steady income with relatively lower risk. These funds are suitable for conservative investors or those nearing financial goals who want capital preservation with moderate returns.

Money-Market Funds

  • Invest in short-term debt instruments
  • High liquidity
  • Low volatility
  • Suitable for short-term parking of funds

Money-market funds invest in short-term securities such as commercial paper, treasury bills, and certificates of deposit. They are designed to preserve capital and provide liquidity with minimal risk. These funds are often used as alternatives to savings accounts for short-term financial needs.

Conclusion

The above pointers can help you choose an option according to your age. However, it is equally important to set goals. Any investment strategy, including an SIP, should be based on goal setting. You can ensure that your investment strategy supports your overall financial goals and moves you closer to achieving your long-term financial objectives by setting specific, measurable, achievable, relevant, and time-bound (SMART) goals. You can stay motivated and focused by setting goals for your SIP investment. Moreover, goals make it easier to monitor your progress and make any necessary changes to your investment strategy along the way. Furthermore, goal setting can help you create a framework for making decisions related to your investments and assist you in selecting the ideal mix of investments for your SIP portfolio.

Note:

Views and opinions contained herein are for information purposes only and should not be construed as investment advice/ recommendation to any party or solicitation to buy, sale or hold any security or to adopt any investment strategy. It does not warrant the completeness or accuracy of the information and disclaims all liabilities, losses and damages arising out of the use of this information. The recipient should exercise due caution and/ or seek professional advice before making any decision or entering into any financial obligation based on information, statement or opinion which is expressed herein.

Statutory Details: Axis Mutual Fund has been established as a Trust under the Indian Trusts Act, 1882, sponsored by Axis Bank Ltd. (liability restricted to Rs. 1 Lakh). Trustee: Axis Mutual Fund Trustee Ltd. Investment Manager: Axis Asset Management Co. Ltd. (the AMC). Risk Factors: Axis Bank Limited is not liable or responsible for any loss or shortfall resulting from the operation of the scheme. No representation or warranty is made as to the accuracy, completeness or fairness of the information and opinions contained herein. The AMC reserves the right to make modifications and alterations to this statement as may be required from time to time.

Mutual Fund Investments are subject to market risks, read all scheme related documents carefully.

Systematic Investment Plans

Invest regularly in small amounts and harness the power of compounding.

SIP Investment

Benefits of SIP Investments

  • Disciplined Investing: Cultivates regular investment habit
  • Rupee Cost Averaging: Reduces impact of market volatility
  • Power of Compounding: Generates wealth over long term
  • Affordability: Start with as little as ₹500 per month
  • Flexibility: Modify, pause, or cancel anytime
  • Convenience: Automated investments via auto-debit
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