Best Mutual Funds To Invest In 2020

There are over 17,000 Mutual Fund scheme variations you can pick from. Confusing, right? Not anymore. The Cube Wealth app can simplify this by recommending the best mutual funds you can invest in every month. 

Get help from our wealth coaches to invest based on your goals and needs. Invest your hard-earned money in mutual fund schemes that work for you!

Types of Mutual Funds

Mutual funds are broadly classified into 5 types based on the securities they invest in and the benefits they offer:




Best Debt Mutual Funds To Invest In 2020

Debt Mutual Funds invest in fixed-income securities such as government bonds, treasury bills, corporate bonds, etc. 




  • Favored by conservative investors because of the low-risk and predictable returns on offer
  • Considered to be safer and less volatile than equity funds because the fund does not invest in equities
  • These funds have a relatively high liquidity

A list of the Best Debt Mutual Funds being recommended by our wealth advisor, Wealth First:




  • IDFC Banking & PSU Debt Fund
  • HDFC Ultra Short Term Fund
  • ICICI Prudential Corporate Bond Fund
  • Axis Banking and PSU Debt Fund
  • IDFC Ultra Short Term Fund

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Best Equity Mutual Funds To Invest In 2020

Equity Mutual Funds invest in shares of companies from across different caps (large-cap, mid-cap, small-cap, or multi-cap) or sectors.




  • Offer higher returns when compared to debt funds
  • Favorable for long term capital appreciation
  • Diverse range of scheme options
  • Are subject to market-based risks and fluctuations
  • Riskier and more volatile than debt funds

A list of the Best Equity Mutual Funds being recommended by our wealth advisor, Wealth First:




  • Kotak Equity Opportunities Fund
  • Kotak Emerging Equity Fund
  • Mirae Asset Large Cap Fund
  • Motilal Oswal Focused 25 Fund
  • Canara Robeco Emerging Equities Fund

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Best Liquid Mutual Funds To Invest In 2020

Liquid Mutual Funds are a type of debt funds which invest in Bonds, Treasury bills, Commercial paper, and other money market instruments. These funds are highly liquid.




  • Considered to be one of the best short term investments
  • Considerably low-risk and less prone to interest fluctuations 
  • Withdrawals can be processed within 24 hours (or even 30 minutes)
  • Average portfolio maturity not more than 91 days

A list of the Best Liquid Mutual Funds being recommended by our wealth advisor, Wealth First:




  • Axis Liquid Fund
  • Principal Cash Management Fund
  • Nippon India Liquid Fund
  • Kotak Liquid Fund
  • Invesco India Liquid Fund

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Best Tax Saving Mutual Funds To Invest In 2020

Tax Saving Funds, commonly referred to as Equity Linked Savings Scheme (ELSS) Funds. Under Section 80C of the Income Tax Act, ELSS funds can help an investor save tax of up to ₹1,50,000 from their annual taxable income.




  • These funds invest primarily in Equity & Equity Related Instruments
  • Mandatory lock-in period of 3 years
  • Tax deduction benefits of up to ₹1,50,000

A list of the Best Tax Saving Mutual Funds being recommended by our wealth advisor, Wealth First:




  • Mirae Asset Tax Saver Fund
  • Kotak Tax Saver Fund

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Best International Mutual Funds To Invest In 2020

Investing in international mutual funds is also an option for Indian investors. 




  • Option to invest like a global citizen
  • Geographical diversification
  • Can profit from market highs of other countries
  • Can benefit from the currency value of the given country
  • Returns affected by economic or political situations of the country

A list of the Best International Mutual Funds being recommended by our wealth advisor, Wealth First:




  • Edelweiss Greater China Equity Off-shore Fund
  • Franklin India Feeder - Franklin U.S. Opportunities Fund
  • Invesco Pan European Equity Fund
  • Nippon India Japan Equity Fund

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Comparing The Benefits Of Each Mutual Fund Type

 

Features

Debt Mutual Funds

Equity Mutual Funds

Liquid Mutual Funds

Tax Saving Mutual Funds

International Mutual Funds

Liquidity

Medium

Medium

High

Low

Medium

Returns

Low-Moderate

Moderate-Aggressive

Stable

Moderate

Moderate-Aggressive

Tax Benefits

Short Term Capital Gains according to Tax Slab


Long Term Capital Gains 20% after indexation

Short Term Capital Gains 15%


Long Term Capital Gains 10%

Short Term Capital Gains according to Tax Slab


Long Term Capital Gains 20% after indexation

An exemption of up to ₹1,50,000

Short Term Capital Gains according to Tax Slab


Long Term Capital Gains 20% after indexation

 

Features

Liquidity

Returns

Tax Benefits

Debt 

Medium

Low-Moderate

STCG: Tax Slab

LTCG: 20% after indexation

Equity 

Medium

Moderate-High

STCG 15%


LTCG 10%

Liquid

High

Stable

STCG: Tax Slab

LTCG: 20% after indexation

Tax Saving

Low

Moderate

An exemption of up to ₹1,50,000

International

Medium

Moderate-High

STCG: Tax Slab

LTCG: 20% after indexation

How Should You Choose Mutual Funds?

Since there are several factors to consider before investing in any mutual fund scheme, we recommend that you consult Cube’s wealth coaches to understand your risk profile and invest based on your goals & needs. 

Our wealth advisor, Wealth First, curates a list of the best mutual funds that you can invest in so that you can invest easily and think long term.

Wealth First has an incredible track record of beating the average mutual fund by ~50% since 2002 with a team of wealth professionals with over 250 years of combined experience.

How Should You Choose Mutual Funds?

Since there are several factors to consider before investing in any mutual fund scheme, we recommend that you consult Cube’s wealth coaches to understand your risk profile and invest based on your goals & needs. 

Our wealth advisor, Wealth First, curates a list of the best mutual funds that you can invest in so that you can invest easily and think long term.

Wealth First has an incredible 19-year track record of beating the average mutual fund by ~50% with a team of wealth professionals with over 250 years of combined experience.

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