Mutual funds mein nivesh karna aaj ke samay mein ek popular tareeka ban gaya hai wealth grow karne ke liye, khaaskar India mein. Bahut saari options ke hone ke karan, sahi fund chunna jo best returns de sake, kaafi challenging ho sakta hai. Iss guide mein hum 2024 ke Top 10 high-paying mutual funds ke baare mein baat karenge, unke features, historical performance aur alag-alag prakar ke investors ke liye unki suitability ke baare mein jaanenge.
Mutual Funds Kya Hain?
“Kya Aapka Demat Account hain, Agar Nahi hain to Aap Is Link ‘Click’ Krke Bana Lijiye”
Mutual funds investors ke paise ko ikattha karke stocks, bonds ya dusre securities mein nivesh karte hain. Ye funds professional fund managers dwara manage kiye jaate hain jo investors ke liye investment decisions lete hain. Mutual funds ko kai types mein divide kiya ja sakta hai:
- Equity Funds: Ye stocks mein nivesh karte hain aur capital appreciation ka lakshya rakhte hain.
- Debt Funds: Ye fixed-income securities jaise bonds mein nivesh karte hain aur equity funds ke mukable safe hote hain.
- Hybrid Funds: Inmein equity aur debt dono ka mix hota hai.
- Index Funds: Ye kisi specific index ke performance ko replicate karne ka prayas karte hain.
Nivesh Karne Se Pehle Key Points
- Investment Goals: Aapke financial lakshya kya hain—short-term ya long-term growth.
- Risk Tolerance: Aap kitna risk le sakte hain. Equity funds zyada risky hote hain debt funds ke mukable.
- Time Horizon: Lambe samay ka nivesh aapko aggressive investment karne ka mauka deta hai.
- Expense Ratios: Kam expense ratios ke saath zyada net returns milte hain.
2024 Ke Top 10 High-Paying Mutual Funds
1.Motilal Oswal Midcap Fund-Direct Plan-Growth
- Category: Equity Midcap
- 3-Year Return: 70.7%
- AUM: ₹18,604 Crores
- Expense Ratio: 0.72%
Ye fund mid-cap stocks mein nivesh karta hai aur consistently benchmark se accha perform kiya hai. Ye un investors ke liye sahi hai jo long-term growth potential dekhte hain.
2.Bandhan Infrastructure Fund-Direct Plan-Growth
- Category: Equity Infrastructure
- 3-Year Return: 43.68%
- AUM: ₹6,982 Crores
- Expense Ratio: 0.95%
Ye fund infrastructure-related companies mein nivesh karta hai aur Bharat ke infrastructure development se labh uthata hai.
3.Nippon India Small Cap Fund-Direct Plan-Growth
- Category: Equity Small Cap
- 3-Year Return: 43.10%
- AUM: ₹62,260 Crores
- Expense Ratio: 1.05%
Ye fund small-cap stocks mein nivesh karta hai jisme high growth potential hota hai, par risk bhi zyada hota hai. Ye un investors ke liye sahi hai jo high returns ke liye risk lene ko tayar hain.
4.ICICI Prudential BHARAT 22 FOF Direct-Growth
- Category: Fund of Funds (FOF)
- 3-Year Return: 42.88%
- AUM: ₹6,424 Crores
- Expense Ratio: 0.89%
Ye fund large-cap aur mid-cap stocks ka mix hai jo diversification ke saath accha return dene ka prayas karta hai.
5.HDFC Focused 30 Fund-Direct Plan-Growth
- Category: Equity Focused
- 3-Year Return: 42.95%
- AUM: ₹15,109 Crores
- Expense Ratio: 0.02%
Ye fund 30 stocks tak ka ek concentrated portfolio banata hai, jo zyada tar large-cap companies par focus karta hai. Ye un investors ke liye sahi hai jo quality businesses mein nivesh karna chahte hain.
6.Invesco India Infrastructure Fund-Direct Plan-Growth
- Category: Equity Infrastructure
- 3-Year Return: 40.62%
- AUM: ₹1,666 Crores
- Expense Ratio: 0.71%
Ye fund infrastructure development se judi companies mein nivesh karta hai aur sarkar ke infrastructure projects ka faayda uthata hai.
7.Canara Robeco Infrastructure Fund-Direct Plan-Growth
- Category: Equity Infrastructure
- 3-Year Return: 39.94%
- AUM: ₹4,500 Crores
- Expense Ratio: 0.85%
Is fund ka broader investment strategy hai jo infrastructure-related sectors mein nivesh karta hai.
8.SBI PSU Fund-Direct Plan-Growth
- Category: Equity PSU
- 3-Year Return: 39.85%
- AUM: ₹4,602 Crores
- Expense Ratio: 0.74%
Ye fund Public Sector Undertakings (PSUs) mein nivesh karta hai, jo sarkari enterprises ki growth potential par focus karta hai.
9.Franklin Build India Fund-Direct Plan-Growth
- Category: Equity Infrastructure
- 3-Year Return: 39.88%
- AUM: ₹7,000 Crores
- Expense Ratio: 1.00%
Ye fund un companies par focus karta hai jo Bharat ke economic growth aur infrastructure development se labh utha sakti hain.
10.JM Aggressive Hybrid Fund-Direct Plan-Growth
- Category: Hybrid Fund
- 3-Year Return: 32.11%
- AUM: ₹5,000 Crores
- Expense Ratio: 1.20%
Ye hybrid fund equity aur debt dono mein nivesh karta hai, jo conservative investors ke liye sahi hai jo equity market mein nivesh ke saath risk minimize karna chahte hain.
Performance Analysis
Mutual funds ka performance evaluate karne ke liye kuch important metrics ko samajhna zaroori hai:
Historical Returns
Jabki past performance future ka guarantee nahi deta, historical returns analyze karke fund ka comparison aur performance ke baare mein insights milte hain.
ALSO READ: Toyota Upcoming 7 Seater SUVs in India 2024
Risk Assessment
Funds ka risk evaluate karne ke liye do key metrics use kiye jaate hain:
- Standard Deviation: Ye fund ke returns ki volatility ko measure karta hai.
- Beta: Ye fund ke price ke market movements ke saath kitna move karne ki sambhavana hai, batata hai.
Expense Ratios
Kam expense ratios long-term mein zyada returns kama ke de sakte hain, khaaskar actively managed funds mein jahan fees profits par asar daalti hai.
Investment Strategies
Niveshak apne financial goals ke anusaar alag-alag strategies adopt kar sakte hain:
- Systematic Investment Plans (SIPs): Ye disciplined investing ko promote karta hai aur market timing ki chinta se mukt karta hai.
- Lump-Sum Investments: Jab market conditions sahi ho, tab ek baar mein nivesh kiya jaa sakta hai.
- Diversification: Alag-alag mutual funds mein nivesh karna market volatility ka risk kam karne mein madad karta hai.
Conclusion
Mutual funds mein nivesh karna aapke financial goals ko achieve karne ka ek effective tareeka ho sakta hai. Upar diye gaye top-performing mutual funds alag-alag risk appetites aur investment horizons ke liye best options dete hain.
Nivesh karne se pehle apne financial objectives ko samajhna aur agar zarurat ho to financial advisor se consult karna zaroori hai, taaki aapke choices aapke overall investment strategy ke sath align kar sakein.
Market trends par nazar rakhte hue aur apne portfolio ka regular review karte hue aap apne investment journey ko optimize kar sakte hain aur 2024 ke aage Bharat ke mutual fund landscape ka poora faayda utha sakte hain!