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Mutual funds offer investors the opportunity to invest in various asset classes, each with its own risk and return characteristics. The asset classes commonly found in mutual funds.


The Equity funds are basically funds that invest in shares. They may invest the money in momentum stocks, growth stocks, income stocks or value stocks depending on its specific investment objective.

Debt funds:

Debt funds invest the money in bonds as well as money market instruments. They may invest into various long term and short-term maturity bonds.


Hybrid funds or Income funds:

The Hybrid funds or Income funds mainly invest in a combination of equity as well as debt. To retain their overall equity status for all tax purposes, these funds invest at least around 65% of assets in the equities and about 35% in the debt instruments. If they fail to do so, they will be eventually classified as the debt-oriented schemes which can then be taxed accordingly. The Monthly Income Plans or MIPs are classified as a type of hybrid fund. MIPs typically invest up to around 25% into equities. The rest of the balance is invested into debt.


Real asset funds:

These funds usually invest in different kinds of physical assets like gold, silver, platinum, oil, real estate and other commodities. The Real Estate Investment Trusts (REITs) and Gold Exchange Traded Funds (ETFs) are examples of real asset funds.

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