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Money-Market Funds
Invest in the Top Securities with Money Market Schemes
- Total Funds 27
- Average annual returns 22.43%
Money-Market Funds
Invest in the Top Securities with Money Market Schemes. More
- Total Funds : 27
- Average annual returns 22.43%
What is Money Market Mutual Fund?
Money market funds are basically open-ended debt schemes that invest in the money market instruments that have maturity period of up to 1 year. These funds usually invest in the short-term debt securities such as commercial paper, US treasury bills, certificate of deposits, etc. These money market schemes are appropriate for investors who are interested in investing for a period of up to 365 days. The risk involved in this scheme is low and therefore it is one of the best investment options for conservative investors.
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List of Money Market funds
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SIP of ₹5000 for the period of 5 Yrs
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Comparisions of Top Money Market Funds
Franklin India Savings Fund - Growth Option
VS
Nippon India Money Market Fund-Growth Plan-Growth Option
Invesco India Money Market Fund - Regular - Growth
VS
Invesco India Money Market Fund - Growth
LIC MF Money Market Fund Regular - Growth
VS
Nippon India Money Market Fund-Growth Plan-Growth Option
UTI MMF-Discontinued - Regular Plan -Growth
VS
Nippon India Money Market Fund-Growth Plan-Growth Option
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Who Should Invest in Money Market Mutual Funds?
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Purpose - Perfect for short-term financial goals or post-retirement investment, offering returns potentially higher than traditional fixed deposits.
Purpose -
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Strategy - Focuses on investing in quality and high-rated debt instruments, such as government or corporate bonds, ensuring a stable and reliable income stream.
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Duration - A recommended minimum investment period of 1-3 years is advised to capitalize on the stability and benefits of fixed-income securities across different market conditions.
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Risk Tolerance - Expects very low volatility, with minimal risk of negative returns, making it a safer choice for conservative investors.
Risk Tolerance -
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Returns Expectation - Aims for a 7-10% compounded annual growth rate (CAGR), often outperforming traditional fixed deposits and providing a more lucrative income option.
Returns Expectation -
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Frequently Asked Questions
Who should invest in Money Market Mutual Funds?
Money Market funds are suitable for the investors who can digest high risk in search for higher returns. Moreover, these funds are not suitable for the investors who are stepping in the finance market with a short term investment perspective as they might end up delivering negative returns.
What is the minimum investment required for investing in Money Market funds?
The minimum investment depends from one scheme to another. In general, for lumpsum investment the minimum investment can range from Rs. 500 to Rs. 5000. Whereas, in case of SIP, the range may vary between Rs. 500 to Rs. 1000. For authentic information, never forget to check the scheme related documents.
What is the investment philosophy followed by Money Market companies?
The fund manager of Money Market fund targets the best small sized companies having the potential to generate excellent gains in the future. Such companies do not have much resources as the large cap or mid cap companies but have high potential to outperform many big companies.
Why to invest in Money Market funds?
Money Market funds have more tendency of providing exceptional returns than the other categories of funds. Moreover, they can also be a suitable option for providing diversification to your portfolio.
How risky are Money Market funds?
Money Market funds are one of the riskiest mutual funds. But at the same time rewards are also high. Therefore, an investor who is willing to expose his corpus towards risk for fetching higher returns should invest in Money Market funds.
Are Money Market Funds for long term investment?
Yes, Money Market funds are a suitable choice for generating long term capital appreciation. Moreover, in short term these funds can cause double digit losses to the investors. Thus, always maintain a long term investment perspective while investing in Money Market mutual funds.
What is the benchmark of Money Market Fund?
Benchmark is a standard with which a mutual fund competes in terms of growth & performance. Different Money Market funds have different benchmark. Thus, read the mutual fund document carefully to know the benchmark.
What are the taxes applied on Money Market Mutual Funds?
Money Market funds are eligible for two types of taxes- STCG (Short Term Capital Gain) and LTCG (Long Term Capital Gain). STCG is the capital gain generated on the units which are hold for up to 1 year. The STCG tax imposed by the Government of India is 15%. LTCG is the profit generated on the units which are hold for more than one years. The LTCG levied is 10% for the profit above Rs. 1 Lakh.
