म्यूचुअल फंड के प्रकार | Types of Mutual Funds

types of mutual funds

Although there are numerous types of mutual funds, the majority of them fall into one of four broad groups: stock funds, money market funds, bond funds, and target-date funds.

उपलब्ध विभिन्न types of mutual funds को मोटे तौर पर वर्गीकृत किया जा सकता है। म्युचुअल फंड अपनी आसानी, लचीलेपन और विविधीकरण लाभों के कारण लोकप्रिय निवेश हैं। म्युचुअल फंड का सबसे अच्छा हिस्सा यह है कि वे सभी प्रकार के निवेशकों के लिए निवेश के अवसर प्रदान करते हैं।

अलग लोगों की अलग जरूरतों को पूरा करने के लिए विभिन्न प्रकार के म्यूचुअल फंड मौजूद हैं। मोटे तौर पर ये तीन प्रकार के होते हैं।

Types of Mutual Funds

Equity Funds | इक्विटी  फंड्स

These invest predominantly in equities i.e. shares of companies. The primary objective is wealth creation or capital appreciation. They have the potential to generate a higher return and are best for long-term investments.

Stock Funds | स्टॉक फंड्स

This fund primarily invests in stocks or equities, as the name suggests. There are numerous subcategories within this group. Some equity funds are labeled as small-cap, mid-cap, or large-cap based on the size of the companies they invest in. A few others go by the names aggressive growth, income-oriented, value, and others, depending on their strategy for investing.

Bond Funds | बॉन्ड फंड्स

The fixed income category includes mutual funds that produce a minimum return. A fixed-income mutual fund concentrates on assets including corporate bonds, government bonds, and other debt instruments that have a fixed rate of return. Interest revenue generated by the fund portfolio is distributed to the shareholders.

Index Funds | इंडेक्स फंड्स

Stocks that track a significant market index, such as the S&P 500 or the Dow Jones Industrial Average, are purchased by index funds (DJIA). These funds are frequently created with cost-conscious investors in mind because this method needs less research from analysts and advisors, which results in lower costs being passed on to shareholders.

Balanced Funds | बैलेंस्ड फंड

Stocks, bonds, money market instruments, or alternative assets are all included in the mix of asset classes that balanced funds invest in. This fund, also referred to as an asset allocation fund seeks to lower the risk of exposure to various asset classes.

Money Market Funds | मुद्रा बाजार फंड

The short-term debt instruments that make up the money market are secure, risk-free investments, mostly Treasury bills. While the investment is guaranteed, investors won’t see significant profits. A typical return is marginally higher than the earnings in a standard checking or savings account and marginally lower than the normal certificate of deposit (CD).

Income Funds | आय कोष

The goal of income funds, for which they are named, is to consistently offer current income. These funds invest mostly in reputable corporate and government bonds, holding them until maturity to generate interest income. Although fund holdings may increase in value, the main goal of these funds is to give investors consistent cash flow. As a result, retirees and conservative investors make up the target market for these funds.