BEST BALANCE MUTUAL FUNDS FOR YEAR 2019

Mutual funds are most popular form of investment option nowadays. The balanced fund is one of the various types of mutual fund option available in the market. Balanced funds are hybrid funds, which typically invest in a mix of equity and debt instruments. Equity oriented balanced funds have a 65%-75% exposure to equities, and the remaining in debt instruments.

They carry lower risk as compared to pure equity-oriented funds. Balanced funds are an appropriate option for the first-time investors who are not ready for risky investments but yet desire for capital appreciation. 

Advantage of balanced funds

Easy Asset Allocation

Deciding how much to invest or to allocate to an asset class and when to do it is a tedious process. Investors unwilling to invest in a basket of products could choose balanced funds that offer benefits of asset allocation in a single structure. The equity component seeks to deliver long term returns, while the debt component provides stability to the portfolio.

Diversification & Lower Risk

Balanced funds are a mix of equity and debt funds and carry lesser risk when compared to pure equity-oriented funds. Spreading the investments will reduce overall risk but it may be tedious for an individual to choose and track the individual investments. Balanced funds provide capital appreciation as well stability of the investments with debt component of it.

Taxation benefits

The capital gains on balanced funds are taxed based on the orientation of the fund. Equity-oriented balanced funds are taxed just like pure equity. If you hold your investment for more than a year, the capital gains are treated as long-term capital gains. Long-term capital gains (LTCG) in excess of Rs 1 lakh on equity component are taxed at the rate of 10% without the benefit of indexation. Short-term capital gains are taxed at the rate of 15%.

Funds Masters Recommended Best Balance Funds For Year 2019

When it comes to investing in mutual funds, everyone else tells you what to do and gives you checklists. Funds Masters thinks about everything and automates it for you.

Choosing the right funds from over 8,000+ funds is complicated. We do this for you through a disciplined investment process. We pick funds with care and without bias. We monitor and review our selection periodically.

It’s proven by behavioral finance experts that fewer scientific choices lead to better decisions. Your portfolio should not have too many or too few funds. Generally 3-5 funds are sufficient for all your financial needs. You need different types of funds for different goals. Equity, Debt and Tax saving.

The Following Mutual funds are hand Picket balance funds for your long term wealth creation and specially for investing in year 2019.