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Hybrid Funds -

Hybrid funds, are a class of Mutual Funds that contains a bond (debt) component and a stock (equity) component in a specific ratio in a single portfolio, which are designed to meet the investment objective of the scheme. Generally, hybrid mutual funds stick to a relatively fixed mix of bonds and stocks. Each hybrid fund has a different combination of equity and debt targeted at different types of investors. Hybrid mutual funds are ideal for investors who are looking for capital appreciation at minimum risk.

Who should invest in Hybrid Mutual Funds or Balanced Funds?

These funds are ideal for those investors who seek income and medium capital appreciation from their mutual fund investments. Those with low-risk tolerance can invest in these mutual funds to balance out the risks and returns.

Systematic Withdrawal plan (SWP):

Systematic Withdrawal plan in Mutual fund schemes, is a facility extended to investors allowing them to withdraw a fixed amount or appreciation alone regularly. You can choose the amount and frequency of withdrawal. It’s like Best of both Worlds for a Long-term investor, particularly for the ones who are looking for returns as well as Wealth creation by investing a lump sum. In fact, many youngsters too have invested to fetch their parents a regular sum of money. How would it be in case we showcase the same with some back tested results? Beware that these two can only happen if the investor stays patient for the long-term, choosing a right investment option, while understanding that a fund with a combo of Equity and Debt in the right proportion can always benefit them only in the longer run.

The Icing on the cake is that the taxation for it is more efficient than most of the available investment avenues. It’s unbelievable, isn’t it? Last but not the least, kindly read the below charts with a disclaimer that Mutual fund investments are subject to market risks and so it would be suggested to read the key information memorandum along with all the scheme related details carefully. Further, we request you to either do your due diligence or talk to your Wealth Manager.

Here is a live example of an investor who has made a Lump-sum Investment of Rs 10 Lakhs and opted for a Systematic withdrawal Plan (SWP option in Mutual fund) of Rs. 6,500/- per month that equates to SWP @ 7.8 % per annum till date. Also check out the relative market values at the end of the said period along with the Annualized returns.

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Here below have given an understanding as to what kind of returns that the investors would have gained by investing in different periods, a one-time lump sum investment amount of 10 Lakhs(a). Column (b) is the date on which the investments were made and (c) shows that the returns are withdrawn until 26th Jan, 2022 on a monthly basis, a fixed sum of Rs.6500 per month(d) amounting to a total withdrawal amount (e) and still leaving a current value (f) as on 26th Jan 2022 delivering returns, i.e., CAGR as given in (g)

Note - The scheme provided above is a mere depiction & should not be construed as advice. For guidance, contact us.

Disclaimer -

Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Portfolio returns and allocation between equity and debt are estimated based on a number of factors including the user's risk profile, goal horizon and disclosed financial position. Performance of any investment portfolio can neither be predicted nor guaranteed.

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