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For those who are not ready to take too much risk, but want to create wealth in the long run, Mutual Funds are the ideal way to invest for them. That is why through this post we want to let you know about, the 5 best mutual funds for 2022, by investing in which for the long run you can earn a lot of money. Let’s take a look at all those mutual funds.
Top 5 Mutual Funds for 2022
We have divided the mutual funds into five categories based on the risk appetite of different types of investors.
Those who want to get good returns without taking too much risk
- Index Mutual Fund is the best investment route for this type of investor. Index Mutual is directly linked to stock market indices i.e. Nifty and Sensex. In other words, the rate at which the various indices of Nifty or Sensex show growth, this fund also increases at the same rate.
- Even if the price of one, two, or five stocks go down, the index, i.e. the Sensex or Nifty, will always move in the positive direction in the long run, and this will bring a good return (around 15% per annum on average) for the index Mutual Funds. For this reason, those who do not want to take too much risk but want to get good returns can invest in index funds.
- There are different types of index funds. Such as the Nifty 50 Index Fund, Nifty Next 50 Index Fund, etc. However, investing in Nifty 50 index funds is less risky.
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The best index funds of 2022
- The best index mutual fund for 2022 is HDFC Index Fund Nifty 50 Plan – Direct Plan. The fund has given a return at an average annual rate of 14.21% since its inception and 25.1% in the last one year. The expense ratio of this fund is also very low, only 0.2%. Further, you can start investing in this mutual fund with a minimum of Rs.500. The fund also has no lock-in period, which means you can redeem your mutual fund whenever you want and get your money back.
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Those who want to take High risk
The best investment method for such investors is in a small-cap mutual fund. This is because small-cap funds invest in small companies, which are growing at a very faster rate. As a result, mutual funds also grow faster, and funds give returns at a much higher rate. However, in this case, the risk is much higher.
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Best Small Cap Mutual Fund for 2022
- The best index mutual fund for 2022 is Axis Small Cap Fund – Direct Growth. The fund has given a return at an average annual rate of 26.24% since its inception and at a rate of 56.10% in the last one year. The expense ratio of this fund is also very low, only 0.38%. Further, you can start investing in this mutual fund with a minimum of Rs.500. The fund also has no lock-in period, meaning you can sell your mutual fund whenever you want and get your money back.
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Those who want to take Medium risk
- Mid-cap mutual funds are the best way to invest for these types of investors. This is because mid-cap funds invest in medium-sized companies, which are growing at a rapid rate. As a result, mutual funds grow well, and funds give returns at a good rate. However, since these types of funds invest in relatively small companies rather than large companies like index funds, there is some risk involved.
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Best Mid-Cap Mutual Fund for 2022
- Motilal Oswal Midcap 30 Direct-Growth is the best Mid Cap Mutual Fund for 2022. The fund has given a return at an average annual rate of 26.7% since its inception and 59% in the last one year. The fund’s expense ratio, though slightly higher, is 0.91%. However, you can start investing in this mutual fund with a minimum of 500 rupees. The fund also has no lock-in period, meaning you can sell your mutual fund whenever you want and get your money back.
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Those who do not want to take any risk
- Those who do not want to take any risk but want to get a little higher return from fixed deposits can invest in a liquid fund. These types of funds offer slightly higher returns than fixed deposits, and since they are invested in liquid funds, they are virtually risk-free.
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Best Liquid Mutual Fund for 2022
- The best Liquid Mutual Fund for 2022 is Nippon India Liquid Fund – Direct Growth. The fund has given an average annual return of 8.1% since its inception. The expense ratio of this fund is 0.18%. You can start investing in this fund with a minimum of 100 rupees. Further, this fund does not have any lock-in period.
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Those who just want to save taxes
- Those who want to invest in mutual funds only to save taxes should invest in ELSS funds.
Best ELSS Mutual Fund for 2022
- For the year 2022, the best Tax Saving or ELSS Mutual Fund is Mirae Asset Tax Saver Fund – Direct Plan-Growth. The fund has given a return at an average annual rate of 23.4% since its inception and 34.9% in the last one year. The expense ratio of this fund is also very low, only 0.43%. Further, you can start investing in this mutual fund with a minimum of Rs.500. However, this fund has a lock-in period of 3 years, that is, you have to wait for at least 3 years to get your money back by selling the mutual fund you bought. There is also the advantage of having a lock-in period, and that is, it prevents you from selling the fund in fear of the temporary downfall of the mutual fund.
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How to invest in a Mutual Fund?
IND Money Application is a nice platform to start investing in Mutual Funds. There are different types of mutual funds in IND Money Application. You can start investing by choosing one or more of these mutual funds. If you invest in a mutual fund from IND Money, you do not need to pay any commission. There are also other benefits of using this application.
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Click here to Open Account in IND Money. Its FREE!
Although you do not need to open a Demat account to invest in a mutual fund, you can open a Demat account by clicking on the links below if you wish. In that case, you can also invest in mutual funds from your broker, i.e., where you are opening a Demat account.
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Click here to Open Demat Account in UPSTOX
Click here to Open Demat Account in Zerodha
- Last words
- If wealth is to be created in the long run without taking a lot of risks, then there is no alternative to mutual funds. However, before investing in a mutual fund, you should consider all other aspects regarding this.
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I hope you have found something useful in this article. If you have any questions about this article, please let us know in the comments or mail us at [email protected]. Also, share this article with others to give them an opportunity to learn new things. In this blog, we publish various articles on finance. To get immediate notification of our articles, click on the red bell icon on the right side and turn on the notification. Thank you for spending your precious time reading this article. stay healthy, Stay safe.
Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. So, do not take the Mutual Funds mentioned in this post as a recommendation in any way. The Mutual Fund mentioned in this post are for educational purposes only. The author of this post or anyone associated with this blog will not be held responsible in any way if anybody suffers a loss by investing in Mutual Fund after reading this article.
Also Read: –
Best Large Cap Mutual Funds 2022 | Top Large Cap Mutual Funds 2022
How to Invest in Mutual Funds India Online | How to Invest in Mutual Funds in Zerodha
Which SBI Mutual Fund is Best | Best SBI Mutual Fund for SIP 2022
Best ELSS Mutual Funds for 2022 | Best Tax Saver Mutual Fund for 2022