Search Results:


The portfolio listings typically include a range of investments across various asset classes and strategies.

The Wright Research Portfolio listing includes the following types of investment:

  1. Stocks: Portfolios include individual stocks representing different sectors or themes. These stocks are classified based on market capitalization, such as small-cap stocks, or specific investment strategies, like momentum or innovation-focused stocks.
  2. Mutual Funds: Portfolio listings feature mutual funds that are professionally managed investment vehicles. These funds are categorized as aggressive or moderately aggressive, depending on their investment objectives and risk profiles.
  3. Alternative Strategy: In alternative investment strategies, portfolio listings may feature a range of investments beyond traditional stocks and mutual funds. These can include statistical arbitrage, options momentum, and theta decay intraday.
    Statistical arbitrage seeks to exploit pricing inefficiencies using quantitative models. Options momentum leverages options contracts to capture stock price momentum. Theta decay intraday focuses on profiting from diminishing time value in options within a single trading day.
    These alternative strategies aim to diversify portfolios and potentially generate higher returns. However, it is crucial to thoroughly research and understand the associated risks before implementing them.

Yes, each listed portfolio has its minimum investment requirement. These requirements ensure that investors contribute a certain amount of capital to participate in the portfolio. The minimum investment thresholds can vary depending on the specific portfolio.
Generally, the minimum investment requirements range for mutual funds is Rs. 10,000, and for stock portfolios it ranges from 40,000 to 65,000. For Alternative strategies such as options momentum, statistical arbitrage etc. the minimum requirements are much higher ranging from Rs. 2,00,000 to Rs. 1,00,00,000

Yes, it is possible to invest in multiple portfolios simultaneously. Portfolio allocation provides diversification and helps spread risk across different investment opportunities.

Investors often allocate their funds across various portfolios to achieve different investment objectives, balance their risk exposure, and take advantage of different market sectors or asset classes.

Before investing in multiple portfolios, it is advisable to carefully review the scheme-related documents and conditions of the investment firm or platform. It includes understanding potential fees, minimum investment requirements, and restrictions on portfolio allocation.

The best equity mutual funds portfolio can vary depending on individual investment goals, risk tolerance, and time horizon. What may be best for one may not be best for the other.

However, it is essential to conduct thorough research and consider the following factors when evaluating the best equity mutual funds:

  1. Investment Objective
  2. Fund Performance and Returns
  3. Risk and Volatility
  4. Expense Ratio
  5. Fund Manager Expertise
  6. Portfolio Allocation
  7. Fund Size and Liquidity

It is advisable to consult with a financial advisor or investment professional who can provide personalized guidance on the best equity portfolios based on your specific financial situation, goals, and risk tolerance.

Yes, as an investor, you have the flexibility to make changes to your portfolio allocation over time. Portfolio allocation refers to distributing your investment funds among asset classes, such as gold, stocks, bonds, cash, and other investment options.

Some key points to consider when making changes to your portfolio allocation:

  • Reassess your goals
  • Risk Tolerance
  • Market Conditions
  • Diversification
  • Fund Manager Expertise
  • Rebalancing

All About

Mutual Funds

Investing in Mutual Funds

A wise strategy to grow your money is through mutual fund investment. They have the potential to produce higher returns than inflation, which can assist you in achieving your financial objectives.
Note: It is always advisable to take suggestions from a financial advisor before investing. ...

What Are Mutual Funds?

A mutual fund is a type of financial instrument that pools money from investors to buy stocks, bonds, gold, and other assets. Companies eligible to establish mutual funds establish Asset Management Companies (AMCs) or Fund Houses, which collect investor cash, promote mutual funds, handle investments, and facilitate investor transactions.

The expense ratio is the cost to the investor that the AMC levies for managing the best mutual funds in India. It varies from mutual fund to mutual fund and is not a set cost. The maximum expense ratio that can be charged based on the fund's total assets has been fixed by SEBI.

Mutual funds are financial vehicles that combine capital from several individuals to buy various securities, including stocks, bonds, and other assets. Investors buy shares in the mutual fund, and the fund then invests the money in various assets picked by a skilled fund manager. The success of the underlying investments determines how well the mutual fund performs.

Mutual funds are managed by reputable financial experts specializing in investment analysis and portfolio management, known as fund managers. According to the mutual fund investment objective, fund managers invest the money raised from investors in various financial assets, including stocks, bonds, and other assets. The fund managers are responsible for multiple tasks, including deciding on the best-performing mutual funds.

With the help of mutual funds, individual investors may access a varied portfolio of assets, which can be expensive or impossible to do on their own. Mutual funds are also well-liked since they have the potential to provide larger returns than conventional savings accounts and because buying and selling them is relatively easy.

Furthermore, Mutual funds are regulated by the Securities and Exchange Board of India (SEBI). Therefore, Going through the SEBI mutual funds guidelines and documentation is advisable.

What Are The Benefits of Mutual Funds?

1. Professionally Managed

One of the key benefits of investing in these funds is that professional money managers manage your money with years of investing experience.

2. Liquidity

Mutual funds provide high levels of liquidity, allowing investors to purchase or sell their shares at any moment. Due to this, mutual funds are a practical and adaptable investing choice for individuals that want immediate access to their money.  

3. Returns

Unlike ordinary savings accounts, mutual funds may provide better returns, even though returns depend on market conditions.

4. Affordability

You can start investing in mutual funds with a minimum amount, such as Rs 500.

5. Diversification

Investors can access various investments through mutual funds, including stocks, bonds, and other assets. By spreading risk among many investment types, this diversification reduces the portfolio's exposure to any one investment.

6. Well Regulated

Government agencies, like SEBI, have the power to regulate mutual funds, which helps to guarantee that they are run in the investors' best interests. Investors may make educated investing decisions since mutual funds must provide information about their investments, fees, and performance.

Essential Insights for New Mutual Fund Investors

For individuals embarking on their investment journey, mutual funds offer an attractive avenue for growing wealth. A mutual funds portfolio consists of a range of securities, pooling together resources from various investors to purchase stocks, bonds, or other assets. This collective approach to investing not only spreads out risk but also provides access to professional fund management. To build the best mutual fund portfolio, it's essential to understand the importance of diversification. A diversified mutual fund portfolio encompasses a mix of asset classes and investment strategies, aiming to balance risk against potential returns.

When constructing your portfolio, consider factors such as your financial goals, investment horizon, and risk tolerance. It's not just about choosing the right funds; it's about how these funds complement each other to achieve a balanced investment approach. The best mutual fund portfolio for you is one that aligns with your personal financial objectives while minimizing volatility through diversification.

Moreover, regular monitoring and rebalancing of your portfolio are crucial. The financial market's dynamic nature means your initially well-balanced portfolio might skew over time due to varying performance across funds. Periodic review and adjustment ensure your investment remains on track towards achieving your goals.

In summary, building a diversified mutual fund portfolio is a foundational step for new investors. It requires careful selection, ongoing management, and a strategic approach to asset allocation, ensuring a balanced mix that suits your individual risk profile and financial aspirations.

How To Buy And Sell Mutual Funds

Entering and exiting investments within your mutual funds portfolio involves a straightforward process, but it requires careful consideration to optimize for timing and financial impact. To buy mutual funds, you can either go directly through fund houses or use brokerage platforms, with each option offering online and offline modes for transactions.

How To Buy Mutual Funds

Complete KYC Requirements: Before adding to your mutual funds portfolio, ensure you've completed all necessary KYC (Know Your Customer) procedures.

Choose a Platform: Decide between purchasing directly from mutual fund companies or through brokerage platforms. Both offer online and offline transaction capabilities.

Select the Right Funds: Carefully choose mutual funds that complement your investment goals and risk tolerance, aiming to enhance the quality of your best mutual fund portfolio.

Decide on Investment Type: Evaluate whether to make a lump sum investment or opt for a Systematic Investment Plan (SIP), based on your financial situation and objectives.

Build a Diversified Portfolio: Aim to diversify your investments across various asset classes and sectors to mitigate risk and stabilize returns in your diversified mutual fund portfolio

How To Sell Mutual Funds

Assess Market Conditions: Regularly monitor the performance of your mutual funds portfolio and market trends to determine the most opportune time to sell.

Consider Tax Implications: Be mindful of potential capital gains tax that may apply to the profits from your mutual fund investments.

Understand Exit Loads: After selling, reassess and realign your mutual funds portfolio to ensure it continues to meet your investment goals and remains well-diversified.

Update Your Portfolio: Take advantage of online platforms for seamless selling transactions, allowing for efficient management of your diversified mutual fund portfolio.

Utilize Digital Platforms for Transactions: Aim to diversify your investments across various asset classes and sectors to mitigate risk and stabilize returns in your diversified mutual fund portfolio

Ways to Invest in Mutual Funds

SIP (Systematic Investment Plan)

SIP enables you to invest a certain amount over time. Due to its convenience, SIP is one of the most suggested methods for investing in the best-performing mutual fund schemes. Additionally, it aids in averaging the price at which you acquire the units of these funds. Find out more about Systematic Investment Plans (SIPs) here.


A lump sum investment is one that you make once. People typically make lump sum investments after receiving a large quantity of money, such as bonuses or cash from the sale of an asset.

Understanding Fees In Mutual Funds

Fees are an integral part of managing a mutual funds portfolio, directly impacting the overall returns on your investment. Two primary fees associated with mutual funds are the expense ratio and the exit load. The expense ratio covers the fund manager's fee, administrative costs, and other operational expenses. A lower expense ratio can significantly enhance the long-term growth of your best mutual fund portfolio, making it a crucial factor to consider when selecting funds.

Exit loads are fees charged for withdrawing your investment within a certain period, typically used as a deterrent for short-term withdrawals and to cover the fund's selling costs. Understanding these fees and their impact is essential for maintaining a diversified mutual fund portfolio that not only aligns with your financial objectives but also optimizes for cost-efficiency, ensuring you retain a larger portion of your investment returns.

How to Maximize Returns with Mutual Funds

Maximizing returns in your mutual funds portfolio requires a strategic approach, blending astute fund selection, timing, and ongoing portfolio management. Here’s how you can enhance the potential for higher returns:

Diversify Your Investments: A diversified mutual fund portfolio across different asset classes and sectors can reduce risk and capitalize on various market opportunities.

Opt for SIPs: Systematic Investment Plans (SIPs) allow for dollar-cost averaging, reducing the risk of market timing and potentially lowering the average cost of investments over time.

Select Low-Cost Funds: Paying attention to expense ratios can significantly impact returns. Opting for funds with lower expense ratios can result in higher net returns for your best mutual fund portfolio.

Monitor and Rebalance: Regularly review your portfolio to ensure it aligns with your investment goals and risk profile. Rebalancing helps in maintaining the desired asset allocation, crucial for optimizing returns.

Tax Efficiency: Understanding the tax implications of your investments and selecting tax-efficient funds can enhance your post-tax returns, making it an essential consideration for any mutual funds portfolio.

How to Determine Mutual Fund Expenses and Charges

Understanding the expenses and charges associated with mutual funds is crucial for investors aiming to build a cost-effective and efficient portfolio:

Expense Ratio: This annual fee, expressed as a percentage of assets under management, covers the fund's operational costs, including management fees. It directly impacts the fund's net performance.

Exit Loads: Some mutual funds charge an exit load if investments are withdrawn before a certain period. This fee is deducted from the redemption amount and can vary from one fund to another.

Transaction Costs: Though not always directly charged to investors, transaction costs incurred by the fund for buying and selling securities can affect the overall returns.

Sales Charges: Also known as load fees, these are charged either at the time of purchase (front-end load) or when selling (back-end load), impacting the overall cost of investment in a mutual funds portfolio.

Types of Mutual Funds Based on Asset Class

In India, mutual funds are divided into various groups according to the asset classes they invest in. Here are a few general categories.

Equity Mutual Funds

Most of the assets that equity funds hold are equities. These funds are divided into various groups based on the market capitalization of the stocks they invest in.

Large-Cap Funds

These funds put at least 80% of their money into the top 100 market-cap corporations.

Mid-Cap Funds

These funds allocate at least 65% of their resources to the following 150 (101st to 250th) market capitalization-ranked companies.

Small-Cap funds

In such funds, at least 65% of the assets are allocated to investments in firms with market capitalizations of 251 and above.

Multi-Cap Funds

At least 25% of the assets in these funds are allocated to large, mid, and small-cap companies.

Debt Mutual Funds

Debt funds make money by lending to businesses and the government while also purchasing debt-related securities. These funds are divided into groups based on the lending period's length and the papers' creditworthiness.

Money Market Funds

These funds

create returns by making short-term loans to businesses or governments for up to a year.

Corporate Bond Funds

These funds generate returns by loans to businesses with the highest-rated debt documents (at least 80%).

Overnight funds

These funds generate returns by lending money to businesses or governments for one business day.

Liquid Funds

These funds earn profits by making up to 91-day loans to businesses or governments.

Hybrid Funds

Equity, debt, and gold are just a few of the asset groups that hybrid funds may invest in. Hybrid funds can be divided into several types based on how much money they invest in various asset classes.

These funds must invest at least 65% of their assets in stocks but can support up to 80%. The remainder is owed.

Balanced Hybrid

Depending on the fund manager's assessment of the market environment, these funds may invest up to 40–60% in equities and debt securities.

Dynamic Asset Allocation Funds

These funds, also known as Balanced Advantage Funds, follow established asset allocation strategies and can hold up to 0–100% of their assets in either equities or debt.

Arbitrage Funds

These funds use the opportunities presented by securities' price discrepancies in several marketplaces to create returns.

Best Investment Themes of 2024

Mutual Funds for Beginners

Start your investments with ELSS (Tax Saving Schemes) and Aggressive Hybrid Funds, which can invest 65-80% in stocks. These are one of the best mutual funds in India.

Best SIP Funds

Selected funds that have regularly outperformed their counterparts regarding SIP returns are included on the list

ELSS (Tax Saving Funds)

The twin benefits of wealth creation and tax savings are the investing goals of these funds. Investing in ELSS can reduce your yearly tax liability by up to Rs. 46,800.

Value Investment Funds

These funds make money by investing in businesses whose stock price is trading below the value of their assets.

International Funds

By exposing you to businesses that aren't listed on Indian stock exchanges, these funds can help you diversify your portfolio geographically and lower risk overall.

How Can You Invest In Mutual Funds?

Wright Research offers three straightforward procedures for making mutual fund investments that are comfortable, easy, and quick:

  • Choose the basket of funds of your choice.
  • Establishing EasyPay and completing KYC without any documentation
  • Strategies for Effective Risk Control in Mutual Funds

    Effective risk management is key to protecting and growing your investments in mutual funds. Implementing these strategies can help in mitigating risk:

  • Asset Allocation: Tailor your asset allocation according to your risk tolerance and investment horizon. A well-structured asset mix can absorb market shocks and reduce volatility in your diversified mutual fund portfolio.
  • Diversification: Beyond just asset class diversification, consider diversifying across market caps, sectors, and geographies to spread out risk.
  • Quality Investments: Invest in mutual funds with a strong track record of management and performance. High-quality funds can provide stability and resilience to your best mutual fund portfolio.
  • Regular Review: Continuously monitor your mutual fund investments to identify any deviations from your risk parameters and make adjustments as necessary.
  • SIPs for Volatility: Utilizing SIPs can be an effective way to navigate market volatility, allowing investors to average out costs and reduce the impact of market dips on the overall mutual funds portfolio.
  • How to build a mutual fund portfolio with Wright Research

    Wright Research is an online financial advisor in India with the vision of helping people find knowledgeable and safe investment options. Our portfolio of mutual funds is carefully crafted using data sciences and AI technology. The allocation of funds is based on the investor's risk tolerance for a personalized experience and adhering to SEBI guidelines and regulations. Wright Research provides a seamless investing experience, always considering your risk tolerance and goals.

    Here’s how you can start building a mutual fund portfolio with Wright Research:

  • Make an account on our platform, our website www.wrightresearch.in
  • Then submit your KYC documentation and fill out the contract
  • Share your risk tolerance and preferred asset mix
  • Choose from our selection of mutual fund portfolios that are designed for your profile
  • You can start Investing simply with UPI or net banking
  • Benefits of investing with Wright’s Mutual Fund Platform:

    Precision-targeted risk: We evaluate your level of comfort with risk and create a diversified mutual fund strategy that is tailor-made for you.

    AI drives market projections: Our intelligent platform foresees market developments and modifies your allocations to increase potential returns.

    AI-curated perfection: We choose the ideal combination of mutual funds suited to your investing profile using AI-driven performance and risk forecasts.

    Data-driven investing: Understanding the market scenario is important before investing. The Mutual Fund Transaction Platform from Wright Research is your key to a worry-free, data-driven investing experience!

    Semi-annual rebalancing: Our platform rebalances your assets every six months to keep expenses down and guarantee top performance.

    Which are the top mutual funds to invest

    Mutual funds are considered a solid investment choice For a variety of reasons. But the main reason is diversification. Their capacity to offer diversification is a crucial benefit. Mutual funds can diversify assets by providing a mixture of securities, including stocks, bonds, or both. Therefore, In India, Investors choose Mutual funds to invest in. However, identifying the top 10 or determining the ideal mutual fund can be complex.

    The main factor that makes this choice difficult is risk profile and investment timeframe.

    A risk profile refers to how comfortable someone takes risks and investment time period. People willing to take on more risks may invest in high-risk funds, while those who avoid risks choose low-risk funds. It's also important to consider the investment timeframe - high-risk funds are more suitable for long-term goals, while lower-risk investments are better for short-term objectives. Moreover, It is important to note that mutual funds are subject to market risks, and past performance does not indicate future results. Therefore, assessing risk tolerance and investment goals before investing is crucial.

    Mutual funds are classified according to the type of assets they hold, such as equity, debt, or gold. There are three main categories:

  • Equity mutual funds
  • Debt mutual funds
  • Hybrid funds
  • Each category has its own risk profile and investment goals. Since every investor has investment objectives, risk tolerance, and time horizon, there is no one-size-fits-all mutual fund.

    Let's take an example for a better understanding. Suppose you want to invest money today to pay for your child's higher education in 15 years. Given the long-term nature of this objective, equities mutual funds could be a good choice.

    When it comes to investing in equities, there are different subcategories, such as large-cap, mid-cap, and small-cap funds. The choice between investing in large-cap or small-cap funds depends on your risk tolerance. Large-cap funds primarily invest in established, financially stable companies that lead the market. As a result, they are less risky than small-cap funds. These larger companies are better equipped to handle economic downturns compared to smaller ones.

    It's essential to understand that investors can have multiple objectives. For example, if your plan is to buy a sedan in the next three years, investing in equity funds may not be the best option. Instead, you can consider debt mutual funds that provide lower volatility and can help you achieve your goal of purchasing a sedan.
    A deep understanding of investing in mutual funds keeps your investment safe and provides higher ROI. Now that you understand how different goals need different investment strategies while investing in mutual funds, you can easily choose and compare mutual funds as per your preference. But for now, we have researched the best mutual funds in 2024 for you.

    Here is the list of the top 10 mutual funds that you should consider investing in 2024:

    1.Canara Robeco Bluechip Equity Fund

    2. Mirae Asset Large Cap Fund

    3.Parag Parikh Flexi Cap Fund

    4.UTI Flexi Cap Fund

    5 Axis Midcap Fund

    5.Kotak Emerging Equity Fund

    6.Axis Small Cap Fund

    7.SBI Small Cap Fund

    8.SBI Equity Hybrid Fund

    9.Mirae Asset Hybrid Equity Fund

    Still, trying to understand which mutual fund to choose as per your goal?

    Talk to us!

    Frequently Asked Questions (FAQs):

    1. How Do Mutual Funds Work?

    Mutual funds pool money from multiple investors to purchase a diversified portfolio of stocks, bonds, or other securities, managed by professional fund managers. Each investor in the fund owns shares, which represent a portion of the holdings of the fund.

    2. What Are The Risks Associated With Mutual Funds?

    Risks in mutual funds include market risk, where the value of investments can fluctuate due to market conditions; credit risk in bond funds if issuers default; and interest rate risk, affecting bond fund prices as interest rates change.

    3. Are Mutual Funds Suitable For All Investors?

    Mutual funds can be suitable for a wide range of investors due to their diversity, professional management, and ability to match various risk profiles and investment goals. However, individual suitability depends on one's financial goals, risk tolerance, and investment horizon.

    4. What are the different types of mutual funds?

    There are several types of mutual funds, including equity funds (investing in stocks), debt funds (investing in bonds), hybrid funds (combining stocks and bonds), and specialized funds like index funds, sector funds, and international funds, each catering to different investor needs.

    5. What is the Tax Treatment in Mutual Fund Investment?

    The tax treatment in mutual fund investments in India varies depending on the type of fund and the duration of the investment. Here's a brief overview:

  • Equity Funds: Long-term capital gains (LTCG) on equity funds held for over a year are taxed at 10% without indexation benefit, for gains exceeding ₹1 lakh in a financial year. Short-term capital gains (STCG) on investments held for less than a year are taxed at 15%.
  • Debt Funds: For debt funds, LTCG on investments held for more than three years are taxed at 20% with indexation, which adjusts the purchase price for inflation. STCG on investments held for less than three years are added to the investor's income and taxed according to their income tax slab.
  • Hybrid Funds: The tax treatment depends on the fund's equity exposure. Generally, funds with more than 65% equity allocation are treated as equity funds for tax purposes, and those with less are treated as debt funds.
  • SIP Investments: Each SIP installment is considered a separate investment for tax purposes, so the holding period is calculated individually for each installment.
  • ELSS Funds: Investments in Equity Linked Savings Schemes (ELSS) qualify for a deduction under Section 80C of the Income Tax Act, up to a limit of ₹1.5 lakhs in a financial year. LTCG tax applies as per the equity fund rules.
  • Investors should consider these tax implications when making mutual fund investments to optimize their post-tax returns.

    Read more