{"id":1063,"date":"2017-07-29T05:06:48","date_gmt":"2017-07-29T05:06:48","guid":{"rendered":"http:\/\/blog.kuvera.in\/?p=1063"},"modified":"2019-06-10T09:28:34","modified_gmt":"2019-06-10T09:28:34","slug":"mutual-fund-myth-buster","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/mutual-fund-myth-buster\/","title":{"rendered":"Mutual Fund Myth Buster"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69edafa7c00d6\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69edafa7c00d6\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/mutual-fund-myth-buster\/#To_give_a_fair_and_real_understanding_about_the_instrument_here_are_some_facts_about_Mutual_Funds\" title=\"To give a fair and real understanding about the instrument, here are some facts about Mutual Funds:\">To give a fair and real understanding about the instrument, here are some facts about Mutual Funds:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/mutual-fund-myth-buster\/#1_Myth_You_need_to_be_an_expert_to_invest_in_funds\" title=\"1. Myth: &#8220;You need to be an expert to\u00a0invest in funds&#8221;\">1. Myth: &#8220;You need to be an expert to\u00a0invest in funds&#8221;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/mutual-fund-myth-buster\/#2_Myth_You_require_a_large_amount_to_invest\" title=\"2. Myth: &#8220;You require a large amount to invest&#8221;\">2. Myth: &#8220;You require a large amount to invest&#8221;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/mutual-fund-myth-buster\/#3_Myth_Mutual_funds_invest_only_in_equities\" title=\"3. Myth: &#8220;Mutual funds invest only in equities&#8221;\">3. Myth: &#8220;Mutual funds invest only in equities&#8221;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/mutual-fund-myth-buster\/#4_Myth_Guaranteed_expected_returns_with_highly_rated_funds\" title=\"4. Myth: &#8220;Guaranteed expected returns with highly rated funds&#8221;\">4. Myth: &#8220;Guaranteed expected returns with highly rated funds&#8221;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/mutual-fund-myth-buster\/#5_Myth_SIPs_never_allow_you_to_lose_your_money\" title=\"5. Myth: &#8220;SIPs never allow you to lose your money&#8221;\">5. Myth: &#8220;SIPs never allow you to lose your money&#8221;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/mutual-fund-myth-buster\/#Investing_in_mutual_funds_is_a_smart_way_for_investors_to_generate_good_returns_It_gives_you_the_opportunity_to_possess_hundreds_of_stocks_through_the_pooled_resources_of_many_investors_But_due_to_the_above_myths_either_investors_miss_good_investment_opportunities_or_makes_wrong_decisions_Make_sure_you_are_aware_of_the_right_facts_about_Mutual_Funds_before_finalizing_your_investments\" title=\"Investing in mutual funds is a smart way for investors to generate good returns. It gives you the opportunity to possess\u00a0hundreds of stocks through the pooled resources of many investors. But due to the above myths, either investors miss good investment opportunities or makes wrong decisions. Make sure you are aware of the right facts about Mutual Funds before finalizing your investments.\">Investing in mutual funds is a smart way for investors to generate good returns. It gives you the opportunity to possess\u00a0hundreds of stocks through the pooled resources of many investors. But due to the above myths, either investors miss good investment opportunities or makes wrong decisions. Make sure you are aware of the right facts about Mutual Funds before finalizing your investments.<\/a><\/li><\/ul><\/nav><\/div>\n<p><img loading=\"lazy\" class=\"wp-image-1082 aligncenter\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/07\/glass-601569_960_720-300x192.jpg\" alt=\"\" width=\"589\" height=\"377\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/07\/glass-601569_960_720-300x192.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/07\/glass-601569_960_720-768x492.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/07\/glass-601569_960_720.jpg 960w\" sizes=\"(max-width: 589px) 100vw, 589px\" \/><\/p>\n<p>Mutual Funds are one of the most suitable investment instruments for investors. Here we bust some misconceptions that have led the investors to remain skeptical about them.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"To_give_a_fair_and_real_understanding_about_the_instrument_here_are_some_facts_about_Mutual_Funds\"><\/span>To give a fair and real understanding about the instrument, here are some facts about Mutual Funds:<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p><img loading=\"lazy\" class=\"wp-image-1074 alignleft\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/07\/entrepreneur-1340649_960_720-300x212.jpg\" alt=\"\" width=\"315\" height=\"222\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/07\/entrepreneur-1340649_960_720-300x212.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/07\/entrepreneur-1340649_960_720-768x542.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/07\/entrepreneur-1340649_960_720.jpg 960w\" sizes=\"(max-width: 315px) 100vw, 315px\" \/><\/p>\n<h5><span class=\"ez-toc-section\" id=\"1_Myth_You_need_to_be_an_expert_to_invest_in_funds\"><\/span>1. Myth: &#8220;You need to be an expert to\u00a0invest in funds&#8221;<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p><strong>Fact<\/strong>: Mutual Funds are managed by Fund Managers. You can either have an active fund where they actively buy and sell stocks or a passive fund\u00a0that follows an index. The fund mangers do all the research and analysis about which securities to buy or sell. Further, online and offline advisors can easily help you choose the right Mutual Funds that work within your risk constraints to meet your goals. Yes, you have to be a diligent on who you choose as an advisor but it is easy to find a good one. <a href=\"http:\/\/blog.kuvera.in\/how-to-choose-an-investment-advisor\/\" target=\"_blank\" rel=\"noopener\">Ask two simple questions<\/a> &#8211; do you pay the advisor directly? and has the advisor successfully managed money before? If the answer is &#8220;Yes&#8221; to both the questions, you have made a good choice.<\/p>\n<p><img loading=\"lazy\" class=\"wp-image-1073 alignleft\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/07\/coins-1523383_960_720-300x200.jpg\" alt=\"\" width=\"339\" height=\"226\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/07\/coins-1523383_960_720-300x200.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/07\/coins-1523383_960_720-768x512.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/07\/coins-1523383_960_720.jpg 960w\" sizes=\"(max-width: 339px) 100vw, 339px\" \/><\/p>\n<h5><span class=\"ez-toc-section\" id=\"2_Myth_You_require_a_large_amount_to_invest\"><\/span>2. Myth: &#8220;You require a large amount to invest&#8221;<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p><strong>Fact<\/strong><strong>:<\/strong> Th e minimum amount to be invested in a mutual fund is low with some funds allowing minimum investments as low as Rs 100 a month. Small investments can still add up over time. A 20 year old investing Rs 500 a month can build a Rs 59 lakh portfolio by the\u00a0time they retire at age 60 (assume 12% rate of return). The right comparison is how much more can you earn by investing in Mutual Funds over an FD. Mutual Funds should be seen as a saving an investing instrument for everyone and not just for the rich. Remember, regular investing and <a href=\"http:\/\/blog.kuvera.in\/001-start-investing-today-a-ka-the-power-of-compounding\/\" target=\"_blank\" rel=\"noopener\">a disciplined approach<\/a> can help you increase your corpus substantially over time.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"3_Myth_Mutual_funds_invest_only_in_equities\"><\/span>3. Myth: &#8220;Mutual funds invest only in equities&#8221;<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Fact: Mutual Funds work within the constraints of the funds stated objective and risk tolerance. A long term fund with a high risk will mostly invest in equities where as a short term fund with low risk will consist mostly of debt securities, such as Government Securities, Bonds and other fixed income instruments. Investors have a wide array of schemes to pick from which cater to their risk appetite. There are equity funds, debt funds, Hybrid\/ Balanced funds, which have both\u2014debt and equity exposure and also mutual funds that invest in gold. As of 30th September 2016, 66% (32%) of the assets under management of mutual funds are in Debt (Equity) mutual funds. All mutual funds do not invest in equity markets. You can choose a fund keeping in mind your risk appetite and financial goal.<\/p>\n<p><img loading=\"lazy\" class=\"wp-image-1077 alignleft\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/07\/jury-1041589_960_720-300x209.jpg\" alt=\"\" width=\"335\" height=\"234\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/07\/jury-1041589_960_720-300x209.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/07\/jury-1041589_960_720-768x535.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/07\/jury-1041589_960_720.jpg 960w\" sizes=\"(max-width: 335px) 100vw, 335px\" \/><\/p>\n<h5><span class=\"ez-toc-section\" id=\"4_Myth_Guaranteed_expected_returns_with_highly_rated_funds\"><\/span>4. Myth: &#8220;Guaranteed expected returns with highly rated funds&#8221;<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Fact: A mutual fund&#8217;s rating indicates the fund&#8217;s historical risk-adjusted performance over a period of time. The stars are assigned according to the percentile in which the mutual fund falls. Since this is a historical assessment, assuming the future performance of the fund on such basis is not reliable. The ratings are dynamic and change easily. In that sense, a fund rating system is different than the rating system on Amazon or travel websites and should be treated as such. For example, there is no evidence that 5 star rated funds have better future performance than 3 star rated funds. Ratings need to be paired alongside with other aspects like the stability of the fund house, fund category (Equity, Income, Hybrid), and the investors own risk appetite and goals.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"5_Myth_SIPs_never_allow_you_to_lose_your_money\"><\/span>5. Myth: &#8220;SIPs never allow you to lose your money&#8221;<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Fact: Systematic Investment Plans (SIPs) are one of the <a href=\"http:\/\/blog.kuvera.in\/sip-beats-trying-to-predict-market-bottoms\/\" target=\"_blank\" rel=\"noopener\">smartest ways<\/a> to invest in mutual funds. It reduces the risk and averages out the investment cost to make investing more conducive to investors. SIPs allow the investor to buy more mutual fund units when the market falls and NAVs come down, and fewer units when the markets are up. The average cost of purchase is obviously lower than the highest price paid for a mutual fund unit. But this does not mean that SIP investors cannot lose money. SIPs also give lower returns than lump sum investments in a rising market. When you invest in SIPs, you invest for the long-term. Thus a rising or falling market for a few months or a year should\u00a0not alter your plan significantly. So, make a realistic assessment of the risk you are willing to take before putting money in equity funds\u2014whether as lump sum or or through SIPs.<\/p>\n<blockquote>\n<h5><span class=\"ez-toc-section\" id=\"Investing_in_mutual_funds_is_a_smart_way_for_investors_to_generate_good_returns_It_gives_you_the_opportunity_to_possess_hundreds_of_stocks_through_the_pooled_resources_of_many_investors_But_due_to_the_above_myths_either_investors_miss_good_investment_opportunities_or_makes_wrong_decisions_Make_sure_you_are_aware_of_the_right_facts_about_Mutual_Funds_before_finalizing_your_investments\"><\/span>Investing in mutual funds is a smart way for investors to generate good returns. It gives you the opportunity to possess\u00a0hundreds of stocks through the pooled resources of many investors. But due to the above myths, either investors miss good investment opportunities or makes wrong decisions. Make sure you are aware of the right facts about Mutual Funds before finalizing your investments.<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Mutual Funds are one of the most suitable investment instruments for investors. Here we bust some misconceptions that have led the investors to remain skeptical about them. To give a fair and real understanding about the instrument, here are some facts about Mutual Funds: 1. 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We bring you goal-based investing and innovative features like Tax Harvesting, TradeSmart, Family Account and more!","sameAs":["http:\/\/kuvera.in"],"url":"https:\/\/kuvera.in\/blog\/author\/kuvera-research\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/posts\/1063"}],"collection":[{"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/comments?post=1063"}],"version-history":[{"count":16,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/posts\/1063\/revisions"}],"predecessor-version":[{"id":1069,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/posts\/1063\/revisions\/1069"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/media\/1089"}],"wp:attachment":[{"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/media?parent=1063"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/categories?post=1063"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/tags?post=1063"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}