Top 5 liquid funds for investors in frequent need for cash

International equity mutual funds offer currency depreciation benefits and growth in different economies and sectors, suitable for aggressive investors with a long investment horizon. Economic Times suggested five funds suitable for investors with appetite for taking higher risk and tolerance for enduring market volatility, which have given inflation beating returns over 3-5 years. The funds are DSP World Mining Fund, Invesco India-Invesco Global Equity Income FoF, Motilal Oswal Nasdaq 100 FOF, Aditya Birla Sun Life Commodity Equities Fund, and ICICI Prudential US Bluechip Equity Fund.

Specified mutual funds have been defined to include funds where not more than 35% of proceeds is invested in shares of domestic companies. This may include debt mutual funds and gold ETFs, where investment in domestic companies is less than 35% of proceeds of the fund.

Flexi-cap mutual funds invest in companies with different market capitalizations and are suitable for aggressive investors. Here are five funds with inflation-beating returns over 3-5 years: HDFC Retirement Savings Fund Equity Plan Direct-Growth Fund, HDFC Focused 30 Fund Direct Plan-Growth Fund, ICICI Prudential India Equity FOF Direct - Growth Fund, PGIM India Flexi Cap Fund Direct-Growth Fund, and 360 ONE Focused Equity Fund Direct-Growth Fund. They have different NAV, returns, AUM, expense ratios, and minimum investments.

Multi-cap mutual funds invest in large-, mid-, and small-cap stocks, and mandate 65% of corpus in equity and equity-linked instruments. It offers the advantages of all three categories of stocks, offering moderate risks. Returns on five multi-cap mutual funds have beaten inflation, according to a list compiled.

Midcap funds invest in companies with market capitalization between 101-250, which have the potential to become large companies in the future. ETMarkets has listed the top five midcap funds based on trailing returns. HDFC Mid-Cap Opportunities Direct Plan-Growth, Motilal Oswal Midcap Fund Direct-Growth, Edelweiss Mid-Cap Direct Plan-Growth, Nippon India Growth Fund Direct-Growth, and Quant Mid Cap Fund Direct-Growth have given positive returns in the last one year, although most midcap stocks have underperformed due to market volatility and foreign investor risk aversion. These funds suit aggressive investors with a long-term investment horizon.

Low-cost, high-return mutual fund schemes are ideal for investors looking to minimize expenses and maximize their returns. The following five mutual funds have low expense ratios and significant returns, including the Quant Small Cap Fund, Quant Infrastructure Fund, Nippon India Small Cap Fund, HSBC Small Cap Fund, and Tata Small Cap Fund. The expense ratios range from 0.26% to 0.86%, and the trailing returns range from 5.12% to 66.25%, depending on the timeframe considered. All funds have a minimum investment requirement of Rs 5,000 and a minimum SIP investment of Rs 500 to Rs 1,000.

Multi-asset allocation mutual funds are a suitable choice for risk-averse investors seeking a blend of stability and moderate return potential.