Mutual funds with high risk vs low risk Which to Choose


The fund aims to generate optimal returns with high liquidity through active management of the portfolio by investing in high-quality debt and money market instruments. Even though these funds offer high liquidity, they remain unaffected by interest rate risk and credit risk, unlike liquid mutual funds. Nevertheless, inflation risk can reduce projected returns, which is why investors must be wary of the same. To scale investments, it’s necessary to determine the level of losses or reduction in gains one can digest shall a scheme underperform.

  • The fund managers of low-risk funds perform a critical analysis of various securities and invest in securities based on historical returns and credit ratings.
  • If you are investing in shares, the price will change every minute.
  • A. Because of the unpredictable situation of the Economy and the availability of varying investment options, it is quite difficult to evaluate a safe option.
  • However, even premature withdrawals are applicable in the case of the scheme.
  • The primary difference between NPS and other provident fund investments is that NPS allows you to build your corpus aggressively.

I am willing to open a Demat with Angel One to start investing in these top picks. The securities quoted are exemplary and are not recommendatory. Borrowers often are unsure about the difference between home loan and loan against property. Read this post to learn about the important features of both loans. People purchase travel insurance when flying to international destinations. So, why not also purchase travel insurance for your train journeys?

Different Types of Zero/Low-Risk Investments in India that You Must Know About!

However, if you hold your investments for more than three years, you will be eligible for indexation benefits which can help reduce your tax liability. If you want to redeem your investment, you can do so by submitting a request through the online platform or AMC’s website. The money will be credited to your bank account within one or two business days. However, you need to keep in mind that some liquid funds may have a lock-in period, so you cannot redeem your investment before that period ends.

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High return investments

These investments provide the opportunity to diversify your portfolio in a safe way. Just upload your form 16, claim your deductions and get your acknowledgment number online. You can efile income tax return on your income from salary, house property, capital gains, business & profession and income from other sources. Further you can also file TDS returns, generate Form-16, use our Tax Calculator software, claim HRA, check refund status and generate rent receipts for Income Tax Filing. This scheme is popular with domestic households who are looking to earn passive income. The Indian postal service offers various types of accounts for single, joint, guardian or parent of a minor/person of unsound mind, etc.

In other words, we could expect the beneficiary reimbursement process repo rate to move up further. And in this regard, the RBI would look to the west, i.e., to the U.S. Federal Reserve, the European Central Bank , and the Bank of England , who all recently raised their policy interest rates again by 75 bps. In the December 2022 bi-monthly meeting I anticipate RBI raising rates by around bps. The Indian Financial Markets are full of risks and opportunities, all you need is a detailed study, experience and research to differentiate between them. Companies that pay dividends are more stable and mature, and they provide both a dividend and the chance of stock price gain.

Risks and Returns of The Tax Saving Investments

Low-risk, high-return investments are steadily becoming popular because of their uniqueness. Public Provident Fund is the most common instrument for investment by a salaried individual. No delay or omission on the part of Facilities Providers and ABC Companies, in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.


It ensures that you lead a comfortable life even after retirement when your regular income stops. PPF is considered as one of the safest investments as sovereign guarantees back the scheme. Like bank FDs, PPFs offer a much higher rate of interest than a regular savings bank account. There are numerous investment avenues in India that offer good returns.

In real life, you will see a very high percentage increase or decrease in small company stocks. Hence, investing in these stocks can generate higher returns for investors. The Modern Portfolio Theory included the traditional concept of risk and measured it based on volatility. There are many investors out there who are extremely risk-averse and are not willing to take any chances with their money. If you are one of them, then you have come to the right place. Below we have enlisted some of the most popular low-risk investment options you can opt for.

Ultra Short-Duration Mutual Funds

Mutual funds are a type of investment that pools money from many investors and invests it in stocks, bonds, or other securities. They can be used for investing in long-term savings or for trading short-term investments. Mutual funds are also known as open-ended mutual funds because they can buy and sell anything on the market. Public provident funds are the most popular investment option. These are funds that are managed by the government and a part of your contribution is invested in various stocks and bonds.


Investors at the time of maturity can redeem the bonds in cash and the gains if any, are exempted on maturity, unlike physical gold where gains are subject to tax. This Website is provided to you on an “as is” and “where-is” basis, without any warranty. We may provide you with various money solutions and options which are generally available basis your investment profile or those which are generally held by persons of similar investment profile. You authorize us to use/disseminate the information to provide the Financial Solutions however it is not necessarily for you to act on it. It only serves an indicative use of information which you may execute in the manner agreed by you.

Debt Mutual Funds are among the best low-risk investment options available for new or small investors. The investor doesn’t need to worry about understanding individual bonds and timing an entry or exit. Considering your concern for low-risk investment, you can always invest in debt mutual funds. They have low risk but provide better returns as compared to a fixed deposit or a savings bank account.

The maturity term is of 5 years, which can be further extended by up to 3 years more. Minimum investment is Rs 1000, i.e., you have to deposit more than or equal to Rs 1000. This helps you to create a strong retirement corpus at your disposal. You can use the NPS retirement account as a salaried or self-employed investor.


Please note that your stock broker has to return the credit balance lying with them, within three working days in case you have not done any transaction within last 30 calendar days. Please note that in case of default of a Member, claim for funds and securities, without any transaction on the exchange will not be accepted by the relevant Committee of the Exchange as per the approved norms. Update your mobile numbers/email IDs with your stock brokers. Receive information of your transactions directly from Exchange on your mobile/email at the end of the day.

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