Mutual Funds

Grow Your Wealth

At TheWealthify, we offer a comprehensive range of mutual fund solutions to help you achieve your financial goals. Our expert team provides personalized guidance to help you select the right mutual funds based on your risk profile, investment horizon, and objectives.

Why Choose Our Mutual Fund Services?

  • Access to funds from top asset management companies
  • Zero commission on direct mutual funds
  • Personalized portfolio recommendations
  • Regular investment reviews and rebalancing
  • Easy online transactions and tracking
  • Systematic investment plans (SIP) facility
Mutual Funds
Equity Funds

Invest in the growth potential of stocks across various market segments and sectors.

LARGE CAP FUNDS
Invest in large, well-established companies for stable returns and lower volatility.
MID CAP FUNDS
Balance between stability and growth by investing in medium-sized companies.
SMALL CAP FUNDS
High growth potential with higher volatility, focused on emerging businesses.
SECTOR FUNDS
Targeted exposure to specific sectors like technology, healthcare, or banking.
ELSS FUNDS
Tax-saving equity funds with a 3-year lock-in and potential for high returns.
INDEX FUNDS
Passive funds that replicate market indices for efficient, low-cost investing.
Debt Funds

Invest in fixed-income securities for stable returns and capital preservation.

LIQUID FUNDS
High liquidity, low risk, ideal for short-term parking of surplus cash.
SHORT-TERM DEBT
Invest in debt securities with 1-3 year maturities for moderate returns.
CORPORATE BOND
Focus on high-quality corporate bonds for higher yields than government securities.
Hybrid Funds

Get the best of both worlds with funds that invest in a mix of equity and debt instruments.

BALANCED FUNDS
Balanced allocation between equity and debt for moderate risk and returns.
HYBRID FUNDS
Higher equity allocation for greater growth potential with some stability.
DYNAMIC ALLOCATION
Portfolio allocation dynamically adjusted based on market conditions.
OUR INVESTMENT APPROACH
We follow a structured approach to help you achieve your financial goals through mutual fund investments.
Goal Setting
Define clear financial goals with set timelines and targets.
Step 01
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Risk Assessment
Assess your risk profile to match your comfort and goals.
Step 02
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Portfolio Construction
Build a diversified mutual fund portfolio tailored to your goals and risk profile.
Step 03
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Regular Review
We regularly review and adjust your portfolio to keep it aligned with your goals.
Step 04

Mutual funds are often considered suitable investment options for investors of all ages. Given the amount of choice, one may be able to find a suitable mutual fund for every investor.

For instance, if you are new to investing and have just started earning, you could invest in a more balanced fund, at least until you figure out investing. Meanwhile, if you are close to retirement and have already accumulated a corpus, you may want to invest in low-risk equity funds in an attempt to protect your capital while giving it a fair chance of appreciation.

But investing in mutual funds through SIPs could be a different story, especially since the aim is to try and appreciate capital.

What is an SIP?

A systematic investment plan (SIP) is a type of investment vehicle that allows you to periodically invest a fixed sum of money in a mutual fund or other investment product, such as on a weekly, monthly, or quarterly basis. People who want to save money regularly but do not have a large sum to invest all at once often use this investment plan. With an SIP, investors can make small, regular investments over time, which can aid them to build wealth and accomplish their financial objectives. In addition, people often think of SIPs as an easy and inexpensive way to invest, and they can be a good choice for investors who want to save for the long term.

Benefits of Investing in an SIP

  • Regular savings: With an SIP, you can invest a set amount of money every week, month, or quarter. This can be a good approach to save money, especially if you do not have a large amount to invest at once. Even if you don't have a lot of money to invest at first, you can build wealth over time if you invest regularly.
  • Flexibility: SIPs provide flexibility in investing because you can change the amount of investment, its frequency, and investment options. This means that you can change your SIP to fit your own financial goals and needs.
  • Discipline: Investing through an SIP may help you learn how to save and invest in a disciplined way. By making regular investments, you may be able to stay focused on your long-term financial goals and resist the urge to spend on short-term luxuries.
  • Cost-effective: SIPs can be a cost-effective approach to investing because many mutual funds and other investment products have lower minimum investment amounts for SIPs than for lumpsum investments. This means that you can start investing with small sums and still reap the benefits of diversification.
  • Rupee-cost averaging: In an SIP, you invest a fixed sum of money in a mutual fund or other investment product at regular intervals to purchase units of that product. As such, the number of units purchased by you may change automatically depending on their price. This can help reduce the sensitivity of your portfolio to changes in the market. This is called rupee-cost averaging, and it can be a good approach to minimize risk and get the most out of your investments.

SIP vs. Lumpsum Investments

There are two modes of investment in an SIP: the SIP mode and lump sum mode. With an SIP, you make regular, usually monthly, investments of a set sum of money. A lump sum investment involves making a sizable investment all at once. SIP and lump sum investments have their unique benefits and drawbacks. One of the main benefits of an SIP is that it allows you to make regular small investments, which may be easier for some people to manage. Considering that the investment is made automatically, it can possibly help you resist the urge to spend that money on other things. However, lump sum investments may be preferable for some investment opportunities. A lump sum investment, for instance, can allow you to seize an opportunity right away if you a considerable amount of money to invest and you come across a particularly good investment opportunity. The choice of investment mode between SIP and lump sum investment will ultimately depend on your unique situation and investment objectives. To determine which strategy works for you, speaking with a financial advisor could be a good idea.

SIP Options for Different Age Groups

Young Investors (20s-30s)

In structuring SIPs across different age groups, a few key factors should be considered. Investors in their 20s and 30s may primarily aim to build a solid foundation for their long-term financial future. This would entail focusing on investments that have the potential to grow over time, such as stocks and equity mutual funds.

  • Equity Funds
  • Index Funds

Investors in their 40s and 50s

Investors in their 40s and 50s may shift their focus on balancing growth potential with the need for stability and income. This can be achieved by investing in a mix of stocks and bonds, as well as funds that invest in a combination of both instruments. Doing so can help investors generate income from their investments while also maintaining some exposure to stocks, which have higher potential for growth.

  • Balanced Advantage Funds
  • Hybrid Funds

Investors in their 60s and Beyond

Investors in their 60s and beyond may tend to focus on preserving their capital and generating income. This can be achieved by investing in more conservative investments, such as bond funds and money-market funds, which can provide a steady stream of income without exposing investors to excessive risk.

  • Debt Funds
  • Money-Market Funds

Things to Consider Before Investing in an SIP

As an investor, you should carefully consider the size and frequency of your SIP contributions, in addition to selecting the appropriate investment options. It might make sense for young investors with long time horizons to invest smaller sums and gradually increase their contributions over time as their income increases. Smaller, more frequent investments may be more suitable for older investors with shorter time horizons to preserve capital and generate income. Overall, structuring SIP mutual fund investments across age groups necessitates a balanced strategy that considers your unique financial needs and goals. You can create a solid foundation for your financial future and accomplish your long-term goals by investing in a variety of stocks, bonds, and other assets and making regular contributions to your investment plans.

General Information on Key Fund Types

Equity Mutual Funds

Equity mutual funds are investment vehicles that invest in stocks or equities. These funds allow investors to diversify their holdings and make investments in more companies than they could if they bought individual stocks on their own. An equity mutual fund is typically managed by experienced investment professionals who use their knowledge to select the stocks to be included in their fund. Investors who might not have the time or expertise to independently research individual stocks can benefit from this. There are various types of equity mutual funds, such as index funds that follow the performance of a specific market index and actively managed funds that are run by financial experts who aim to outperform the market. All things considered, investing in equity mutual funds can help investors to gain exposure to the stock market and possibly generate increased return on investment. However, the risks associated with these investment options are higher. Because of this, equity mutual funds could work well for young investors who have the liberty of a long-term horizon. This is helped by the fact that most equity investments tend to outgrow offsets over time. However, past performance may not always indicate the future, and the best course of action is to conduct your own research before investing.

Balanced Advantage Funds

Mutual funds that invest in both stocks and bonds are called balanced advantage funds, also called dynamic asset allocation funds. Through investments in a variety of assets that can change depending on market conditions, these funds seek to offer investors both income potential and growth potential. The specific stocks and bonds that comprise the portfolio of a balanced advantage fund are typically selected by the fund's investment manager, who employs their knowledge of asset allocation to select the best combination of investments with the aim of maximizing returns while lowering risk. In general, balanced advantage funds invest a greater percentage of their assets in stocks during bull markets and a greater percentage in bonds during bear markets. This can possibly reduce volatility and help smooth out returns. In sum, investors seeking a balanced investment option that can possibly offer both income and growth potential may benefit from investing in balanced advantage funds.

Debt Funds

Debt funds are mutual funds that invest in fixed-income securities such as bonds and treasury bills. These funds typically aim to offer investors a consistent income in the form of interest payments from the bonds and other securities in their portfolio. Investors seeking a more conservative investment option that can generate a consistent stream of income may find debt funds to be a good choice. The returns of a debt fund are typically more predictable than those of other investment types because the securities in its portfolio typically offer fixed interest rates. There are several types of debt funds, including long-term debt funds, which invest in securities with longer maturity periods, and short-term debt funds, which invest in securities with shorter maturity periods.

Money-Market Funds

Money-market mutual funds invest in short-term, fixed-income securities such as government bonds and commercial paper. These funds are designed to offer investors a safe and liquid investment option that aims to maintain the value of the investment while delivering a consistent flow of income in the form of interest payments. Owing to their high liquidity and, typically, low volatility, money-market funds are frequently considered cash substitutes. They may, thus, be a good choice for investors seeking a secure option to park their money for a brief period of time. It is crucial to remember that money-market funds, like all investments, carry some level of risk. The value of your investment may increase or decrease depending on a variety of variables, such as changes in interest rates and the creditworthiness of the issuers of the securities in a fund's portfolio. Overall, investors looking for a secure, liquid investment with a consistent income stream may find money-market funds to be a good choice.

Conclusion

The above pointers can help you choose an option according to your age. However, it is equally important to set goals. Any investment strategy, including an SIP, should be based on goal setting. You can ensure that your investment strategy supports your overall financial goals and moves you closer to achieving your long-term financial objectives by setting specific, measurable, achievable, relevant, and time-bound (SMART) goals. You can stay motivated and focused by setting goals for your SIP investment. Moreover, goals make it easier to monitor your progress and make any necessary changes to your investment strategy along the way. Furthermore, goal setting can help you create a framework for making decisions related to your investments and assist you in selecting the ideal mix of investments for your SIP portfolio.

Note:

Views and opinions contained herein are for information purposes only and should not be construed as investment advice/ recommendation to any party or solicitation to buy, sale or hold any security or to adopt any investment strategy. It does not warrant the completeness or accuracy of the information and disclaims all liabilities, losses and damages arising out of the use of this information. The recipient should exercise due caution and/ or seek professional advice before making any decision or entering into any financial obligation based on information, statement or opinion which is expressed herein.

Statutory Details: Axis Mutual Fund has been established as a Trust under the Indian Trusts Act, 1882, sponsored by Axis Bank Ltd. (liability restricted to Rs. 1 Lakh). Trustee: Axis Mutual Fund Trustee Ltd. Investment Manager: Axis Asset Management Co. Ltd. (the AMC). Risk Factors: Axis Bank Limited is not liable or responsible for any loss or shortfall resulting from the operation of the scheme. No representation or warranty is made as to the accuracy, completeness or fairness of the information and opinions contained herein. The AMC reserves the right to make modifications and alterations to this statement as may be required from time to time.

Mutual Fund Investments are subject to market risks, read all scheme related documents carefully.

Systematic Investment Plans

Invest regularly in small amounts and harness the power of compounding.

SIP Investment

Benefits of SIP Investments

  • Disciplined Investing: Cultivates regular investment habit
  • Rupee Cost Averaging: Reduces impact of market volatility
  • Power of Compounding: Generates wealth over long term
  • Affordability: Start with as little as ₹500 per month
  • Flexibility: Modify, pause, or cancel anytime
  • Convenience: Automated investments via auto-debit
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