We all earn and save to have a secured future for ourself and our family. Saving a pool of money always turns to be crucial at times of financial emergency. Any emergency can knock your door without giving any invitation. As a matter of fact, savings without exclusive returns hold no higher value. Why keep your savings in the bank and receive minimum interest rates, when you can invest them in a mutual fund and get good returns?
The concept of Mutual Funds is catching up fast in the Indian market. So what is a mutual fund? It is actually a company which pools the money of different investors and invest it in a wide variety of securities. These investments can be in bonds, stocks, money market securities or a combination if any of these. A mutual fund actually offers you diversification because your money is going to be pooled and invested in different securities. Out of so many mutual funds in the market, HDFC mutual funds have turned out to be quite popular. Read this article to know about the types of HDFC mutual funds. Compare the different mutual funds and choose the best one for you accordingly.
Equity funds: Equity funds are to be invested directly by the investor into the stock markets. In case, you to generate capital appreciation over a long span of time, then these funds are going to simply perfect for you. HDFC Mutual Fund offers you with a wide range of equity funds depending upon the amount of risk you can afford to take and your choice. Let’s have a look at them-
- HDFC Mid-Cap Opportunities Fund
- HDFC Equity Fund
- HDFC Top 200 Fund
- HDFC Tax Saver Fund (ELSS)
- HDFC Core and Satellite Fund
- HDFC Small Cap Fund
- HDFC Infrastructure Fund
- HDFC Capital Builder Fund
- HDFC Prudence Fund
- HDFC Tax Saver Fund (ELSS)
Debt/Income Funds: Debt or Income funds prove to be of great importance if you wish to generate an income which flows at regular intervals. It will turn out to be the best bet for you. These funds will invest all your pool of money in government securities and debt & money market instruments. The best part is that risk level is not very high and remains between low to moderate. Check out the debt/income funds offered by HDFC here-
- HDFC Income Fund
- HDFC Short Term Opportunities Fund
- HDFC Gilt Fund-Long Term
- HDFC Medium Term Opportunities Fund
- HDFC Short Term Plan
- HDFC MF Monthly Income Plan-Short Term Plan
- HDFC Corporate Debt Opportunities Fund
- HDFC MF Monthly Income Plan-Long Term Plan
- HDFC Banking and PSU Debt Fund
- HDFC High Interest Fund-Dynamic Plan
- HDFC High Interest Fund- Short Term Plan
- HDFC Gilt Fund-Short Term Plan
Liquid Funds: Liquid funds offer various advantages to the investor and thus attract maximum attention. They will provide you with optimal returns on your investment and at the same time ensure good and smooth liquidity. As a result of this, the safety of the investment is ensured.
You should know the fact that investment is made in highly liquid, risk free, short term money market and debt instruments.in case you want to invest your money into a liquid fund, then HDFc provides you with four suitable options. Have a look at them-
- HDFC Cash Management Fund- Savings Plan
- HDFC Liquid Fund Premium Plan
- HDFC Cash Management Fund- Call Plan
- HDFC Liquid Fund
Children’s Gift Fund: In case you are looking for a fund that generates the best possible long term capital appreciation. This will completely fit the bill for you if you wish for the same. You have the provision to choose the kind of mutual fund which meets your requirement. You can choose between an investment and a savings plan. Whosoever is futuristic and wants to plan for the future of his/her children must invest in such mutual funds. The needs of the children are going to rise in the nearby future and hence these kind of funds are gaining prominence. The two main types of funds available are as follows-
- HDFC Children's Gift Fund - Savings Plan
- HDFC Children's Gift Fund - Investment Plan
Retirement Savings Fund: Planning for a future is very important specially if you want to lead a stress free life once you retire. Retirement savings fund can turn out to be very fruitful for you if you wish to have with you sufficient pool of money after you retire. This can, in fact, prove to be a good investment option for you. That is a truth, my friend. The main aim is to ensure that a corpus income is generated which will be later provided to the investor as a pension after the person retires from the profession he/she is in.
Fixed Maturity Plan: In case you are a kind of person who prefers a safe protection for all your investments,this segment of mutual funds is tailor made for you.
The reason is very simple. All the money is invested in government securities and money market/debt instruments. Since they are close ended schemes, the level of risk involved is comparatively lower. As an investor you have a wide range of options to choose from because HDFC offers you multiple products. Have a look at them here-
- HDFC FMP 1309D September 2016 (1)
- HDFC FMP 1161D July 2016 (1)
- HDFC FMP 1104D April 2016 (1)
- HDFC FMP 1240D December 2016 (1)
- HDFC FMP 1127D June 2016 (1)
- HDFC FMP 1112D June 2016 (1)
- HDFC FMP 1127D May 2016 (1)
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