What is a Mutual Fund?
A Mutual Fund is an investment option where money from many investors is pooled together and invested in shares, bonds, or other assets. It is managed by a professional fund manager.
Are Mutual Funds safe?
Mutual funds are market-linked and involve risk. However, investing for the long term and choosing the right fund can help reduce risk.
What is the minimum investment in Mutual Funds?
SIP: Starts from ₹500 per month
Lump sum: Usually starts from ₹1,000 (depends on the fund)
Why start SIP every month in Mutual Funds?
Monthly SIP builds disciplined investing habits, reduces market timing risk through rupee cost averaging, and benefits from the power of compounding. It makes investing affordable, consistent, and goal-oriented—helping investors create long-term wealth with less volatility.
Are Mutual Fund returns guaranteed?
No. Mutual Fund returns are not guaranteed as they depend on market performance.
Can I withdraw money anytime from Mutual Funds?
Yes, in open-ended mutual funds you can withdraw anytime. Some funds may charge an exit load.
Why do I need professional mutual fund distributor guidance for SIP investing?
A professional mutual fund distributor helps you choose the right funds based on your goals(short, medium & long term) , risk profile, and time horizon. They ensure proper asset allocation, prevent emotional decisions during market volatility, provide regular portfolio reviews, and guide you throughout the investment journey—making SIP investing more efficient and goal-oriented.
Which is the best mutual fund?
There is no single best mutual fund for everyone. The right mutual fund depends on an investor’s financial goals, time horizon, and risk-taking capacity. A suitable fund is selected after proper goal planning, asset allocation, and regular review—preferably with professional guidance to ensure long-term success.
Which is the best broker app to invest in Mutual Funds (SIP), Stocks, ETFs, NFOs & IPOs?
NJ E Wealth best app for everyone, trusted(SEBI regulated)platforms in India let you invest in SIPs, stocks, ETFs, NFOs, and IPOs all in one place. Since 1994 this broker provided NJ E Wealth app & Professional mutual fund distributor. Unique feature of this app is Goal mapping.
Which option is best for me — SIP or Lumsum in mutual fund investing?
Both SIP and lumsum have their advantages, and the best choice depends on your situation:
SIP (Systematic Investment Plan): Ideal if you invest regularly from your monthly income, want disciplined investing, and want to average market volatility over time.
Lumsum: Works well when you already have a large sum to invest at once, and the market trend is favorable.
For most investors, SIP is recommended for consistent goals and long-term wealth creation, while lumsum may be suitable when you have surplus funds and a higher risk appetite. Professional mutual fund distributor advice helps decide what’s right for your goals and risk profile.
Mutual Fund (SIP) vs Gold/Silver vs FD vs PPF vs NPS vs LIC vs Real Estate – Which is better?
There is no single best investment option; each serves a different purpose. The right choice depends on your goals, time horizon, risk appetite, and liquidity needs.
Mutual Fund (SIP): Best for long-term wealth creation, inflation-beating returns, flexibility, and disciplined investing.
Gold / Silver: Good hedge against inflation and market uncertainty, but limited long-term growth.
Fixed Deposit (FD): Safe and stable returns, but often fails to beat inflation.
PPF: Tax-efficient, government-backed, ideal for long-term conservative investors.
NPS: Suitable for retirement planning with tax benefits and long lock-in.
LIC / Insurance Plans: Primarily for protection; not ideal as a pure investment option.
Real Estate: Useful for asset creation, but requires high capital, low liquidity, and long holding periods
If my Investment amount is negative, what can I do?
A negative investment value usually means short-term market volatility, not a permanent loss. The right action depends on your goal timeline and asset allocation.
What you should do:
Don’t panic: Markets move in cycles; temporary declines are normal.
Review your goals: If your goal is long-term, stay invested.
Continue SIPs: Lower markets help you buy more units (rupee cost averaging).
Check asset allocation: Ensure your investments match your risk capacity.
Avoid emotional decisions: Exiting at a loss can lock in damage.
Seek professional guidance: A review may help rebalance or correct strategy.
Should we mix Insurance and Investment?
No, Insurance and Investment should not be mixed. Insurance is meant for financial protection against risks like death, illness, or accidents, while investment is meant for wealth creation and achieving financial goals. Products that combine both often deliver lower returns and inadequate coverage.
For better financial planning, keep them separate.
Buy pure term insurance for sufficient protection.
Invest through mutual funds, SIPs, or other market-linked options based on your goals and risk profile.
