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Mutual Funds
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Goal Planning

Help Us Select A Right Basket For You

Portfolios have been created best suited to the age bands that you are in. It’s a great idea to choose from within this group if your investment experience is low. Click on the “Life Stage profile Combos”, enter your age band and amount you are comfortable investing in the input frames, and click on “Find Plans” to let IOL find the plans best suited to you.

These are portfolios best suited to the more seasoned investors who are guided by a level of risk rather than the age they are at. Click on the “Risk Based Profile Combos” to choose from the risk adverse “No-Downside” plan to the high risk-high reward “Go-Getter”.

Mature Investors looking at tapping into changing market opportunities generally look at parking surplus money for certain durations based on forward returns anticipated. It could be a super short term opportunistic call for less than 6 months to a long of over 10 years. Click the “Time Based Profile Combos” tab to find a portfolio for the time horizon that interests you.

With a minimum investment of 25,000 per basket, it is a convenient way to start building your portfolio. Yet, if you wish to choose other set of schemes, feel free to create your own basket by adding them to your cart and transact in just 1-Go!

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About Goal Planning

When it comes to investing, we understand that choosing the right one scheme from 1000's of available schemes can be a difficult task. At Invest Online, we have simplified this by providing various combinations and permutations based on age, risk or time horizon that would fit most types of investors. Each category is further broken down in 5 subcategories that capture the best fit based on the investor’s present age, risk or horizon objective. Each subcategory has then been refined with well researched set of 4 schemes that we feel will ideally suit the investor.

KNOW ABOUT MUTUAL FUNDS

Imagine a delicious chocolate cake. Buying a mutual fund is like getting a small slice of that cake. When you buy a mutual fund unit, you get a share of that fund's gains or losses. The most important thing to know is that a mutual fund is not an alternative option of investing in stocks and bonds. Rather, the mutual fund pools the money of various investors and then, invests that in stocks, bonds, money market instruments and other kinds of securities.

Two documents are key to a mutual fund; the prospectus and the shareholder reports that appear quarterly. An investor must go through these documents to understand the fund's objective, history and performance. Further on, the investor can monitor the performance of the mutual fund by reviewing the reports/statements or reading the related articles that are featured in the business section of leading newspapers.

Just like everything else in life, you are spoilt for choice in the matter of mutual funds as well. You can pick funds from a wide variety of options; from conservative, blue-chip stock funds, sector funds, balanced funds, debt funds, funds that aim to provide income aimed at modest growth or those that take big risks in the search for returns.

The company that puts together a mutual fund is called an AMC and you can select from the top AMC's in your city to run your mutual fund scheme/schemes smoothly.

create wealth

The words in the classic book about financial growth, 'The Richest Man In Babylon' go like this: Put each coin to work so that it may reproduce its kind even as the flocks of the field and help bring to you more income, a stream of wealth that will flow constantly into your purse.

This line will always ring true for the smart online investor.

To make those lines come true for you, deploy part of your savings in the market via mutual funds or direct equities.

Also, accumulate carefully planned stocks or mutual funds through SIPs.

An event that provides great opportunity for long-term wealth creation is when the markets correct beyond reasonable valuations. It is essential that you do not miss the chance that usually comes after every big correction in the market.

A popular belief goes 'If you want to make money in any investment, sell when markets rise and buy when the market faces a gloom.' So, instead of sitting on surplus money, use the highs and lows of the market in your favour.

plan your investment (tools)

To plan your finances, start with being realistic: take a piece of paper (or a Word document) and write down your goals for the next five-ten years. Be it higher education, retirement or your daughter's marriage, it is essential that you know what you are planning and saving for.

Next, a clear idea of your expected cash inflow and liabilities is very important. After identifying your needs and goals, choose a suitable scheme or
schemes that you want to put your savings in.

Saving for long-term goals will mean you need to opt for comparatively aggressive, higher-risk investments. For short-term goals, you may opt for lower-risk; conservative investments or you may altogether take a more balanced approach.

The final step is to review your portfolio every quarter and stay updated on the performance of your investments.