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Funds

Why invest in Equity Mutual Funds?

The first thing that comes to mind when you think about investing is equities. As an asset class, equities have the potential to generate higher returns over the long term than most other types of assets (keeping in mind the principle of high risk, high reward) and hence play an important part in one’s investment portfolio. There are two ways of investing in equity – you buy stocks on your own or you invest through equity mutual funds. Unless you are an expert, it doesn’t make sense to invest yourself. Equity mutual funds are a better choice to invest in equities given the wide choice of fund categories that one could explore.

Different Equity Funds for Different Goals

Time horizon Some Situation where you can consider investing Type of Scheme / Fund
3 year+ Approaching long-term goals like child’s education, marriage and retirement PGIM India Large Cap Fund:
An open ended equity scheme predominantly minimum 80% of total assets in large cap stocks
3 year+ Approaching long-term goals like child’s education, marriage and retirement PGIM India Diversified Equity Fund:
(a Multi Cap Fund) an open ended equity scheme investing minimum 65% of total assets across large cap, mid cap, small cap stocks
4 year+ Approaching long-term goals like child’s education, marriage and retirement PGIM India MIDCAP Opportunity Equity Fund:
(a Multi Cap Fund) an open ended equity scheme investing minimum 65% of total assets across large cap, mid cap, small cap stocks
3 year+ Tax Saving u/s 80C of Income Tax PGIM India Long Term Equity Fund:
An open ended equity linked saving scheme with a statutory lock in of 3 years and tax benefit. Minimum 80% of total assets invested in equity & equity related instruments

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