Key Points
It is also debt products and people who understand debt funds are able to use them very efficiently for both their near term and short term needs much better than what they would on savings deposits and a fixed deposit..
Let us de-bust the kind of myths generally investors have when it comes to investing in equity markets or may be generally the concept or the notion of investment that people have in their mind because a lot of times Indians are not able to decide whether saving is different from investment..
Especially when markets have been up and this is what we have seen in the last few years a new generation of investors comes in and they are unable to understand that markets go up and down, so they began to think that three years double my money that does not really happen because there can be long periods of time in which the stock market gives return which are worse than a fixed deposit...
Your portfolio should be a blend of both active and passive, where the lowest part is in a passive fund, low expense ratio, low tracking error and your higher risk even within equity, is sitting in active funds, which you have chosen through due diligence..
Of course, stocks are more susceptible to this volatility than the bond market therefore, there is going to be the risk of volatility attached to the stock part of it but mutual funds, being market-linked, the price is marked to market every business day, makes it susceptible to the prices moving up and down...
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