{"id":11840,"date":"2022-05-27T12:27:12","date_gmt":"2022-05-27T06:57:12","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=11840"},"modified":"2022-10-13T13:02:45","modified_gmt":"2022-10-13T07:32:45","slug":"what-are-the-best-mutual-funds-for-long-term-investors","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/what-are-the-best-mutual-funds-for-long-term-investors\/","title":{"rendered":"Best Mutual Funds to Invest in for Long Term \u2013 Kuvera"},"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-69d30fd9c7447\" 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-69d30fd9c7447\"><\/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-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/what-are-the-best-mutual-funds-for-long-term-investors\/#Which_Mutual_Funds_have_given_the_best_performance_in_the_Long_Term\" title=\"Which Mutual Funds have given the best performance in the Long Term?\">Which Mutual Funds have given the best performance in the Long Term?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/what-are-the-best-mutual-funds-for-long-term-investors\/#Differences_between_Short_Term_and_Long_Term_Mutual_Funds\" title=\"Differences between Short Term and Long Term Mutual Funds\">Differences between Short Term and Long Term Mutual Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/what-are-the-best-mutual-funds-for-long-term-investors\/#What_Does_Investing_in_Long-Term_Mutual_Funds_Mean\" title=\"What Does Investing in Long-Term Mutual Funds Mean?\">What Does Investing in Long-Term Mutual Funds Mean?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/what-are-the-best-mutual-funds-for-long-term-investors\/#Why_Would_You_Want_to_Invest_in_Long-Term_Mutual_Funds\" title=\"Why Would You Want to Invest in Long-Term Mutual Funds?\">Why Would You Want to Invest in Long-Term Mutual Funds?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/what-are-the-best-mutual-funds-for-long-term-investors\/#Lets_Talk_about_Choosing_Long_Term_Mutual_Funds\" title=\"Let\u2019s Talk about Choosing Long Term Mutual Funds\">Let\u2019s Talk about Choosing Long Term Mutual Funds<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/what-are-the-best-mutual-funds-for-long-term-investors\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/what-are-the-best-mutual-funds-for-long-term-investors\/#What_are_the_best_types_of_equity_funds_for_long-term_investments\" title=\"What are the best types of equity funds for long-term investments?\">What are the best types of equity funds for long-term investments?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/what-are-the-best-mutual-funds-for-long-term-investors\/#Are_SIPs_a_good_idea_for_long-term_investments\" title=\"Are SIPs a good idea for long-term investments?\">Are SIPs a good idea for long-term investments?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/what-are-the-best-mutual-funds-for-long-term-investors\/#How_are_long-term_mutual_funds_taxed_in_India\" title=\"How are long-term mutual funds taxed in India?\">How are long-term mutual funds taxed in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/what-are-the-best-mutual-funds-for-long-term-investors\/#Should_I_be_worried_about_market_volatility_when_investing_in_mutual_funds\" title=\"Should I be worried about market volatility when investing in mutual funds?\">Should I be worried about market volatility when investing in mutual funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kuvera.in\/blog\/what-are-the-best-mutual-funds-for-long-term-investors\/#How_do_mutual_funds_help_reduce_portfolio_risk\" title=\"How do mutual funds help reduce portfolio risk?\">How do mutual funds help reduce portfolio risk?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/what-are-the-best-mutual-funds-for-long-term-investors\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">A mutual fund is a pool of money managed by a professional fund manager of an Asset Management Company (AMC). The fund manager invests in various assets like stock, bonds, and money market instruments and distributes profits proportionately among investors.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">A significant benefit of mutual funds is that it allows small investors to access a diversified portfolio of many securities managed by an investment expert. In India, many mutual funds offer different choices for various financial goals. So, if you have a long-term investment goal, you can accomplish it by investing in <a href=\"https:\/\/app.kuvera.in\/explore\/mf\/c\/all\">mutual funds<\/a>.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Read along to know about the best mutual funds for long-term investment.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\"><img loading=\"lazy\" class=\"size-large wp-image-13417 aligncenter\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg\" sizes=\"(max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-300x98.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-768x250.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022.jpg 1080w\" alt=\"Online Fixed Deposits on Kuvera\" width=\"640\" height=\"209\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"Which_Mutual_Funds_have_given_the_best_performance_in_the_Long_Term\"><\/span>Which Mutual Funds have given the best performance in the Long Term?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p>The following is a list of the long term mutual funds that have given the best performance based on their 5-year annualized returns:<\/p>\n<p>&nbsp;<\/p>\n<table style=\"width: 100%;\" border=\"1.5\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><b>Mutual Fund Scheme<\/b><\/td>\n<td style=\"text-align: center;\"><b>Type of Mutual Fund<\/b><\/td>\n<td style=\"text-align: center;\"><b>5-Year Annualised Returns<\/b><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/mutual-funds\/fund\/tata-digital-india-growth--TADIFGZ-GR\"><span style=\"font-weight: 400;\">Tata Digital India Fund- Direct Plan-Growth<\/span><\/a><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Sectoral\/thematic<\/span><\/td>\n<td style=\"text-align: center;\">28.81%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><a href=\"https:\/\/kuvera.in\/mutual-funds\/fund\/aditya-birla-sun-life-digital-india-growth--BS16Z-GR\"><span style=\"font-weight: 400;\">Aditya Birla Sun Life Digital India Fund- Direct Plan-Growth<\/span><\/a><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Sectoral\/thematic<\/span><\/td>\n<td style=\"text-align: center;\">26.97%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/mutual-funds\/fund\/icici-prudential-technology-growth--8019-GR\"><span style=\"font-weight: 400;\">ICICI Prudential Technology Fund- Direct Plan-Growth<\/span><\/a><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Sectoral\/thematic<\/span><\/td>\n<td style=\"text-align: center;\">27.93%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><a href=\"https:\/\/kuvera.in\/mutual-funds\/fund\/sbi-technology-opportunities-growth--SBD034G-GR\"><span style=\"font-weight: 400;\">SBI Technology Opportunities Fund- Direct Plan-Growth<\/span><\/a><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Sectoral\/thematic<\/span><\/td>\n<td style=\"text-align: center;\">25.78%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/mutual-funds\/fund\/quant-tax-growth--QUTPDG-GR\"><span style=\"font-weight: 400;\">Quant Tax Plan- Direct Plan-Growth<\/span><\/a><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">ELSS\u00a0<\/span><\/td>\n<td style=\"text-align: center;\">23.67%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><a href=\"https:\/\/kuvera.in\/mutual-funds\/fund\/quant-small-cap-growth--QUIBDG-GR\"><span style=\"font-weight: 400;\">Quant Small Cap Fund- Direct Plan-Growth<\/span><\/a><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Small-cap fund<\/span><\/td>\n<td style=\"text-align: center;\">22.72%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/mutual-funds\/fund\/axis-small-cap-growth--AXSCDG-GR\"><span style=\"font-weight: 400;\">Axis Small Cap Fund- Direct Plan-Growth<\/span><\/a><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Small-cap fund<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">14.9%<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><a href=\"https:\/\/kuvera.in\/mutual-funds\/fund\/parag-parikh-flexi-cap-growth--PP001ZG-GR\"><span style=\"font-weight: 400;\">Parag Parikh Flex Cap Fund- Direct Plan-Growth<\/span><\/a><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Flexi cap fund<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">11.8%<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><a href=\"https:\/\/kuvera.in\/mutual-funds\/fund\/pgim-india-midcap-opportunities-growth--PRMOG1-GR\"><span style=\"font-weight: 400;\">PGIM India Midcap Opportunities Fund- Direct Plan-Growth<\/span><\/a><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Mid-cap fund<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">13.2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/mutual-funds\/fund\/nippon-india-small-cap-growth--SCAG-GR\"><span style=\"font-weight: 400;\">Nippon India Small Cap Fund- Direct Plan-Growth<\/span><\/a><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">Small-cap fund<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">14.9%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: left;\"><i><span style=\"font-weight: 400;\">*Data as of Sep 07, 2022<\/span><\/i><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"Differences_between_Short_Term_and_Long_Term_Mutual_Funds\"><\/span>Differences between Short Term and Long Term Mutual Funds<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p>The following is a list of differences between short term and long term mutual funds:<\/p>\n<p>&nbsp;<\/p>\n<table style=\"width: 100%;\" border=\"1.5\">\n<tbody>\n<tr>\n<td><b>Parameters<\/b><\/td>\n<td style=\"text-align: center;\"><b>Short Term Mutual Funds<\/b><\/td>\n<td style=\"text-align: center;\"><b>Long Term Mutual Funds<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Meaning<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Short-term funds are <a href=\"https:\/\/app.kuvera.in\/explore\/mf\/c\/all\/debt\">debt funds<\/a> that invest in fixed-income instruments of high-quality companies.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Long-term funds have excellent potential to deliver high returns. It also includes debt funds with long maturity periods and equity funds.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Investment duration<\/span><\/td>\n<td><span style=\"font-weight: 400;\">These mutual funds usually have an investment horizon from a few days to 3 years.\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The investment horizon is usually 5 years or more.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Types of Funds Included<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Short duration funds, ultra-short duration funds, and liquid funds<\/span><\/td>\n<td><span style=\"font-weight: 400;\"><a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\/equity\">Equity funds<\/a> like ELSS, small-cap funds, mid-cap funds, large-cap funds, multi-cap funds, etc.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Debt funds like long-duration funds, gilt funds, and dynamic bond funds.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Returns<\/span><\/td>\n<td><span style=\"font-weight: 400;\">These can offer higher returns than bank deposits<\/span><\/td>\n<td>Long term funds have the potential to offer higher returns<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Risks<\/span><\/td>\n<td><span style=\"font-weight: 400;\">These are subject to interest rate risk, credit risk, etc. The risk compared to long-term funds is low.\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Long-term funds are subject to market risks apart from credit risk, interest rate risk, etc. Higher risk compared to short term funds<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Volatility\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Lower than long term investments<\/span><\/td>\n<td>Higher than short term investments<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Investment goals<\/span><\/td>\n<td><span style=\"font-weight: 400;\">These are suitable for short-term goals like going on a vacation, purchasing a car, etc.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">These are ideal for long-term goals like buying a home, building a retirement corpus, etc.\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"What_Does_Investing_in_Long-Term_Mutual_Funds_Mean\"><\/span>What Does Investing in Long-Term Mutual Funds Mean?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Long-term mutual funds allow you to create wealth over some time to reach your life&#8217;s goals. Long-term goals include ones with an investment horizon of 10 years or more. This includes buying a house, building a corpus for children&#8217;s education and marriage, etc.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you invest in mutual funds, your investments are subject to market risks. The prices of underlying securities will rise and fall depending on market conditions, which are unpredictable and beyond the control of a fund manager. If you look at long-term trends, the markets have permanently and historically moved upwards.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">When you stay invested for a long time, you benefit from the overall uptrend in the market. Thus, long-term investments in mutual funds help you accumulate wealth while mitigating the risks of market volatility. However, you will need to be patient and not panic whenever there is an unfavorable price movement.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Long-term investment suits those who are willing to take some risks for high potential returns. Equity investments are often best suited for the above needs but are subject to short-term fluctuations. You will need to stick with your assets to see your money grow.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"Why_Would_You_Want_to_Invest_in_Long-Term_Mutual_Funds\"><\/span>Why Would You Want to Invest in Long-Term Mutual Funds?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The following is a list of benefits of investing in long term mutual funds:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>The benefits of compounding:<\/b><span style=\"font-weight: 400;\"> Compounding is one of the most significant benefits of <\/span>long-term investments<span style=\"font-weight: 400;\">. It involves getting profits on your initial investment plus returns, which keep growing over time. If you start investing early, this benefit lets you get a significant amount of money.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mitigates risk:<\/b><span style=\"font-weight: 400;\"> For equity investments, having a long-term horizon leads to much fewer risks. Unpredictable fluctuations can wipe out your gains in little time with short-term investments. However, the <a href=\"https:\/\/app.kuvera.in\/explore\/stocks\/c\/all\">stock<\/a> prices are bound to grow when you invest long-term. Moreover, you get enough time to rebalance your portfolio.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Decreases the cost of investments: <\/b><span style=\"font-weight: 400;\">Long-term funds carry fewer costs than short-term funds. Short-term investment involves more transactions and has more brokerage and compliance costs. Sometimes, these expenses can be so high that they might neutralize investment gains.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Peace of mind:<\/b><span style=\"font-weight: 400;\"> Volatility is a significant concern in short-term investments in the equity markets. Sometimes, these fluctuations cause even experienced traders to make bad calls and wrong choices. There is no need to worry about such problems with long-term investments.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Helps you learn from mistakes:<\/b><span style=\"font-weight: 400;\"> A long-term investment horizon gives you time to recoup any losses. You can use the time to learn from your mistakes and rectify bad investment decisions.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"Lets_Talk_about_Choosing_Long_Term_Mutual_Funds\"><\/span>Let\u2019s Talk about Choosing Long Term Mutual Funds<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Here are some of the things you will want to consider when you invest in mutual funds for the long term:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><strong>The right type of fund<\/strong><\/li>\n<\/ul>\n<p>Equity funds are among the best MFs to invest in for the long term. Although they are volatile in the short term, they have high potential growth that helps you grow your wealth. You should check your investment objective and risk profile to find out the right category of fund.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><b>Expense ratio\u00a0<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The expense ratio is the fee that an AMC (Asset Management Company) charges for managing the investors&#8217; portfolio. This fee impacts a fund&#8217;s returns as it is levied on an annual basis. Therefore, you will want to choose a fund with a lower expense ratio to get more returns.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><b>\u00a0\u00a0The fund manager\u2019s expertise<\/b><\/li>\n<\/ul>\n<p>You should check the fund manager\u2019s track record, especially if you are considering an actively managed long-term fund. Check the funds he\/she has managed and if these schemes have consistently delivered good returns and outperformed their peers.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Diversification<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A well-diversified equity fund is very likely to generate steady returns in the long run. It is a good idea to not put all your eggs in one basket but rather invest in two or more different mutual funds. This will mitigate portfolio risk and maximize portfolio returns.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><b>Risk assessment<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You will want to pick funds with a risk level that you are comfortable with. It is also a good idea to look for funds with high risk-adjusted returns.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Final Word<\/b><\/p>\n<p>If you have long-term investment goals, there are several mutual funds that you can invest in to achieve them. However, you need to be willing to stay invested and bear some short-term volatility. Many experts consider equity-oriented funds to be the best option for high returns over a long time.<\/p>\n<p>&nbsp;<\/p>\n<h4 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4 style=\"color: black; font-size: 16px;\"><span class=\"ez-toc-section\" id=\"What_are_the_best_types_of_equity_funds_for_long-term_investments\"><\/span>What are the best types of equity funds for long-term investments?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The following are some of the equity-oriented schemes for long term investments:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Aggressive hybrid funds<\/b><span style=\"font-weight: 400;\">: These equity-oriented funds are ideal for conservative investors trying to create long-term wealth.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Large-cap funds:<\/b><span style=\"font-weight: 400;\"> These invest in the top 100 <a href=\"https:\/\/app.kuvera.in\/explore\/stocks\/c\/all\">stocks<\/a> in terms of market capitalization and are the most stable among equity funds.\u00a0<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mid-cap and small-cap funds:<\/b><span style=\"font-weight: 400;\"> These funds invest at least 35% of investment corpus in large-cap stocks and a minimum of 35% in mid-cap stocks.\u00a0<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4 style=\"color: black; font-size: 16px;\"><span class=\"ez-toc-section\" id=\"Are_SIPs_a_good_idea_for_long-term_investments\"><\/span>Are SIPs a good idea for long-term investments?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Yes, Systematic Investment Plans (SIPs) are a popular option for long-term investors. SIPs involve investing a fixed amount at regular intervals on a specific date decided by the investor.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">SIPs are an excellent method to create a large corpus with small and regular investments. When you invest via SIPs for a long time, the benefits of compounding and rupee cost averaging further increases your gains.\u00a0\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4 style=\"color: black; font-size: 16px;\"><span class=\"ez-toc-section\" id=\"How_are_long-term_mutual_funds_taxed_in_India\"><\/span>How are long-term mutual funds taxed in India?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Capital gains from mutual funds are taxed based on the holding period. For equity funds, Long Term Capital Gains (LTCG) are taxed at a 10% rate. This tax is applicable only on LTCG above Rs. 1 lakh in a financial year.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For debt funds, LTCG tax is applicable at 20% with the indexation benefit if you hold the units for over 36 months. Hybrid funds are taxed as equity funds or debt funds based on their equity exposure.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4 style=\"color: black; font-size: 16px;\"><span class=\"ez-toc-section\" id=\"Should_I_be_worried_about_market_volatility_when_investing_in_mutual_funds\"><\/span>Should I be worried about market volatility when investing in mutual funds?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">No, you should not worry about the daily NAV (<a href=\"https:\/\/kuvera.in\/blog\/what-is-nav\/\">Net Asset Value<\/a>). Every economy and market goes through periods of growth and recession. The impacts of such ups and downs are only relevant in the short term.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you stay invested for a long period, only the long-term compounded total returns will matter.\u00a0\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4 style=\"color: black; font-size: 16px;\"><span class=\"ez-toc-section\" id=\"How_do_mutual_funds_help_reduce_portfolio_risk\"><\/span>How do mutual funds help reduce portfolio risk?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">When you own shares of a company, the stock price may drop significantly due to market risk, price risk, or company-specific risks. The risks get mitigated as mutual funds invest in many securities, often across different sectors or market capitalization. If one or few securities take a dip, it will not affect the rest of your investments.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4 style=\"color: black; font-size: 16px;\"><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Read more: <a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>Check out all our &#8220;Investor Education Originals&#8221; videos on Youtube and get smart about investing.<\/p>\n<p>&nbsp;<\/p>\n<p><iframe loading=\"lazy\" title=\"SIP for the right start to your dreams | Best of Investor Education\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/8uwn1YpSsFU?list=PLDSzQdT9nLmBOsyCmLDKSz_PQcWdePZgI\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/kuvera.in\/\"><strong>kuvera.in<\/strong><\/a> to discover <a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\"><strong>Direct Plans<\/strong><\/a> and <strong><a href=\"https:\/\/app.kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a><\/strong> and <a href=\"https:\/\/kuvera.in\/user\/login\"><strong>start investing today.<\/strong><\/a><br \/>\n#MutualFundSahiHai #KuveraSabseSahiHai #PersonalFinance #InvestorEducation<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n\n<table id=\"tablepress-2103\" class=\"tablepress tablepress-id-2103\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\"><\/th><th class=\"column-2\">Top Asset Management Companies<\/th><th class=\"column-3\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/idfc\">IDFC Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/quant\">Quant Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/canara\">Canara Robeco Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/tata\">Tata Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/dsp\">DSP Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/uti\">UTI Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/whiteoak\">Whiteoak Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/motilal\">Motilal Oswal Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/mirae\">Mirae Asset Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/icici\">ICICI Prudential Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/hdfc\">HDFC Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/absl\">Aditya Birla Sunlife Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/barodabnpparibas\">Baroda BNP Paribas Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/invesco\">Invesco Mutual Funds<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/jm\">JM Financial Mutual Funds<\/a><\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/tata\">Tata Mutual Funds<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/nippon\">Nippon Mutual Funds<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/franklin\">Franklin Templeton Mutual Funds<\/a><\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/sundaram\">Sundaram Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/edelweiss\">Edelweiss Mutual Funds<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/l_t\">L&amp;T Mutual Funds<\/a><\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/axis\">Axis Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/kotak\">Kotak Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/lic\">LIC Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/dsp\">DSP Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/iifl\">IIFL Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/parag\">Parag Parikh Mutual Funds<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-2103 from cache -->\n","protected":false},"excerpt":{"rendered":"<p>A mutual fund is a pool of money managed by a professional fund manager of an Asset Management Company (AMC). The fund manager invests in various assets like stock, bonds, and money market instruments and distributes profits proportionately among investors. &nbsp; A significant benefit of mutual funds is that it allows small investors to access [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/what-are-the-best-mutual-funds-for-long-term-investors\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":11847,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[99,822,593],"tags":[650,210,242,847,771],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Mutual Funds to Invest in for Long Term \u2013 Kuvera - Kuvera<\/title>\n<meta name=\"description\" content=\"Mutual Funds for long term have excellent potential to deliver high ROI. 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