Is your money idle and earning just 3-4% in your savings account? Are you still leaving money locked in Fixed Deposits? Why not invest in debt mutual funds instead?
Debt funds are a thriving category of mutual funds that are favourites for investors who believe in the low risk, low reward investment ideology. That said, debt funds do have the potential to outperform the average bank savings account and Fixed Deposit.
However, choosing the right debt mutual fund is no easy task. You need to pick high-quality debt funds to ensure you reap healthy returns.
Debt Funds invest in fixed-interest generating securities like corporate bonds, government securities, treasury bills, commercial paper and other money market asset classes.
Debt Mutual Funds are all managed by professional fund managers that have strategies to diversify and align their fund activities. Debt fund returns are generally less volatile and predictable.
Debt funds are suitable for conservative investors to generate returns of 6-8% over 1-3 years with exposure to low-risk components of the Indian stock market.
Wealth First was founded in 2000 and is an independent investment advisory firm focused on Treasury and Wealth solutions for corporates, family offices, provident funds, trusts and HNIs.
They have a track record that is 50% higher than NIFTY over the last decade and have achieved this by following the widely renowned Wealth First philosophy:
1. Consistency: Study the returns for over 20 years and see for consistent returns in at least 15 quarters.
2. Fund Manager: Background of the Fund manager, his statistics, performance and reputation.
3. Fund house: Analyse the background of the fund house.
4. Risk: After following all criteria - they invest in a fund house with lower risk.
Simply select how much you want to invest in this low-risk category of mutual funds on Cube Wealth and your investment will be split across a minimum of the top two performing funds in this category for risk diversification.
You can do this in two ways:
Wealth First constantly analyses the market to ensure they are always aware of and recommending the highest performing low-risk debt mutual funds for Cube users.
In the event Wealth First updates a mutual fund recommendation on Cube Wealth, you will retain your existing investments and any new investments will be allocated to the new funds.
You will be able to see your previous and new investments with ease on the Cube Wealth app. Wealth First will provide clear instructions when it is time to sell any mutual fund investments.
Schedule a call based on your convenience. And get an expert to help you invest.
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