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​Take a Closer Look at the Mutual Fund Offer Document

We all know Mutual Funds investment comes with a risk and Scheme related documents should be read carefully before investing. But what is in that document that should be read with so much care and what we as investors must understand and be sure of before plotting our funds? Here’s a little insight to a few points that can help you sort the mystery:

  • Risk- This we know is involved in investment, but with conscious calculations and by means of several calculators available online and otherwise, one can measure and judge the scheme and its benefits for you.
  • Assessment- Investment as a whole is a process of assessment. Foremost being your age, funding of finances, financial goals, income sources and flow, time span for investment, existing assets and risk taking ability. Sorting it all can help you solve and be clear in the kind of policy you need.
  • Performance- Essential it is to look at the past performance and see how the track record of the scheme has been when it comes to returns. Also it is important to compare with other similar funds schemes and their returns. The higher and consistent the returns, better is the fund to invest in. Although future may or may not be as predictable and past performance may or may not sustain in the future.
  • Diversification- Investing funds all in one place can be quite a gamble, thus it would be good to allocate your assets across different schemes.
  • Investment Objective- This helps you define the objective and get the logic of investing in place. While defining you specify whether the funds will be invested in equity, debt, or both. What will be your objective and strategy to achieve your goal?
  • Exit Load- it is a charge collected at the time of redemption or during the transfer between schemes. The exit load percentage is deducted from the NAV. Consider and enquires if this cost exists for you when you invest. The schemes without this charge are referred to as 'No Load Schemes'.

The information herein is meant only for general reading purposes and the views being expressed only constitute opinions and therefore cannot be considered as guidelines, recommendations or as a professional guide for the readers. Certain factual and statistical information (historical as well as projected) pertaining to Industry and markets have been obtained from independent third-party sources, which are deemed to be reliable. It may be noted that since NAM INDIA (Formerly known as Reliance Nippon Life Asset Management Limited) has not independently verified the accuracy or authenticity of such information or data, or for that matter the reasonableness of the assumptions upon which such data and information has been processed or arrived at; NAM INDIA (Formerly known as Reliance Nippon Life Asset Management Limited) does not in any manner assures the accuracy or authenticity of such data and information. Some of the statements & assertions contained in these materials may reflect NAM INDIA’s (Formerly known as Reliance Nippon Life Asset Management Limited)views or opinions, which in turn may have been formed on the basis of such data or information.

Before making any investments, the readers are advised to seek independent professional advice, verify the contents in order to arrive at an informed investment decision. None of the Sponsor, the Investment Manager, the Trustee, their respective directors, employees, affiliates or representatives shall be liable in any way for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including on account of lost profits arising from the information contained in this material.

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



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