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[Updated: January 2021]
You’ve more or less understood what mutual funds are, read up about the best investments available and asked at least 10 friends about what mutual funds to invest in.
All those friends insist that they know what the best mutual funds in India are and claim they’ve been getting good returns. Sadly your question remains unanswered… should you invest in the Axis Mutual Fund or the SBI Blue Chip? Are equity funds right for you or should you invest in debt funds?
All the financial mumbo-jumbo leaves you confused and hesitant. You know by now that you should start investing in mutual funds using SIPs but secretly wonder if you can time the market through lump sum investments.
In case you are looking to begin investing in SIPs, our recommendations of the top SIPs to invest in could be a good starting point for you.
After all that effort you really want to know what the top performing funds in India are. Well, you’re in luck because the Cube Wealth blog is the best place to get simple, honest and unbiased investment advice.
We work with the world’s best wealth coaches and advisors to bring you a list of *drumrolls* The Top 20 Best Mutual Funds To Invest In India + some bonus tips. Wealth First is our Mutual Fund Advisory partner and has helped us compile this crisp and precise list.
This list is based on recommendations shared by our advisory partners, Wealth First. These mutual funds have delivered and will likely continue to deliver consistently higher returns than other funds in their category.
These funds are picked based on multiple factors, like consistent historical high returns & potential to continue delivering same results. Our world-class advisors at Wealth First helped build the list based on their mutual fund selection process, undertaken using two parameters:
Qualitative Parameters:
Quantitative Parameters:
Now that you are well aware of the factors involved in picking the top performing mfs, without further ado, let’s dive into Cube Wealth’s picks.
Let’s now dive into a list of current top recommendations of mutual funds to invest in. This is given by our advisors from Wealth First.
While we update our blogs regularly, we recommend you download the Cube Wealth App to see the latest and most accurate data.
First, let’s look at the Liquid Funds that our wealth coaches have handpicked this year. These funds give higher returns than your average savings account, are short term investments and offer easy liquidity. We are sharing a list of 3 Mutual Funds in the liquid funds category for you. To find the ideal fund for yourself get in touch with one of our wealth experts.
1) Nippon India Liquid Fund
2) SBI Liquid Fund
3) HDFC Liquid Fund
Not too sure if this is the right option for you? We’ve got you covered! Our expert wealth coaches at Cube Wealth help make this uncomplicated. Download the app now and let go of your worries.
The second category of funds on our list are debt funds. Debt funds are less volatile than equity funds and are also known as fixed-income funds. Our trained wealth advisors have zeroed in on these as the Top 3 Best Debt Funds in India for 2020:
1) ICICI Prudential Corporate Bond Fund
2) IDFC Banking & PSU Debt Fund
3) Axis Money Market Fund
Even though these have been the top performing debt funds in India, we recommend you let Cube Wealth handle your goal-oriented financial management, while you enjoy the luxuries that your savings will accompany. See what our users are saying.
The third category of mutual funds we will look into are conservative funds. These are mixed mutual funds which use a combination of stocks, funds and cash to maintain a low risk level. If you’re looking for a more balanced approach to mutual funds you should definitely look at these funds in 2020.
Want to get the Best Mutual Funds for you? Email us at wealth@bankoncube.com
1) Motilal Oswal Focused 25 Fund
2) Mirae Asset Large Cap Fund
Keeping up with the changing market however is a task not everyone has the time to dedicate time to. That is why we at Cube Wealth aspire to cater to the urban professionals, covering all the aspects of your investments through a single application that only requires a minute a month.
Next, we should talk about moderate risk mutual funds. If you’re neither the conservative type nor someone who wants to invest in aggressive mutual funds, these funds will help you strike the right balance;
1) Axis Focused 25 Fund
2) SBI Magnum Multicap Fund
3) Invesco India Growth Opportunities Fund
4) Mirae Asset Focused Fund
Not sure if investing in moderate risk funds would help you reach your goals fast enough? We factor your priorities such as education, personal affairs, home, travel, and so on. Once you set the goal up, Cube Wealth saves for the same via EMIs additionally parking your money in liquid funds.
This brings us to the next set of funds to make it to our best mutual funds list: Aggressive Mutual Funds. If you’re looking for capital gains, have a solid risk appetite and the patience of an oak tree. These funds will tickle your money bone!
1) Motilal Oswal Midcap 30 Fund
2) Kotak Emerging Equity Fund
3) ICICI Prudential Smallcap Fund
Why not take the opinion of the best health advisors in the market for better capital gains though? We at Cube Wealth provide you access to wealth advisors who are otherwise accessible only to UHNIs.
Now, it’s impossible to talk about Mutual Funds and not mention tax saving funds. So if you’re trying to make the most of your 80C tax savings, you should look at the best Equity Linked Savings Schemes recommended by our wealth advisors.
These diversified equity schemes will help you make money while you save tax.
Want customised advice? Get the Cube Wealth App.
Finally, we have a short list of the best international mutual funds in India. If you’d like to protect your investments from the rise and fall of the rupee, these are great options for you.
In case you are looking into beginning to invest, our article is the complete guide to building an investment portfolio. A good addition to this knowledge could be the best long term investment options.
You can also go through our top recommendations for the best equity funds and the best debt funds to invest in. We always recommend to not pick mutual funds to invest in, on your own. See why, in this episode of The Cube Wealth Show –
When should you sell a Mutual Fund? To know more, what this video
Want to know more about Cube Wealth's Perfect Portfolio feature? Watch this video
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on stock picking, poring over excel sheets, financial news, analyzing market trends, tracking the Sensex, researching company fundamentals, comparing mutual funds, reading financial reports, trying to predict the future & losing your sanity!
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