Bajaj Finance Limited (“BFL”) is a Non-Banking Financial Company carrying the business of acceptance of deposits, providing lending solutions to Retail & Corporate customers, and is a Corporate agent of various insurance Companies. BFL is also registeredwith the Association of Mutual Funds in India (“AMFI”) as a distributor of third party Mutual Funds (shortly referred as ‘Mutual Funds’).
BFL does NOT:
(i)provide investment advisory services in any manner or form;
(ii)perform risk profiling of the investor;
(iii)carry customized/personalized suitability assessment;
(iv)carry independent research or analysis, including on any Mutual Fund schemes or other investments; and provide any guarantee of return on investment.
In addition to displaying the Mutual fund products of Asset Management Companies, some general information is sourced from third parties, is also displayed on ‘As-is’ basis, which should NOT be construed as any solicitation or attempt to effect transactions in securities or the rendering any investment advice. Mutual Funds are subject to market risks, including loss of principal amount and Investor should read all Scheme /Offer related documents carefully. The NAV of units issued under the Schemes of mutual funds can go up or down depending on the factors and forces affecting capital markets and may also be affected by changes in the general level of interest rates. The NAV of the units issued under the scheme may be affected, inter-alia by changes in the interest rates, trading volumes, settlement periods, transfer procedures and performance of individual securities. The NAV will inter-alia be exposed to Price / Interest Rate Risk and Credit Risk. Past performance of any scheme of the Mutual fund do not indicate the future performance of the Schemes of the Mutual Fund. BFL shall not be responsible or liable for any loss or shortfall incurred by the investors. There may be other / better alternatives to the investment avenues displayed by BFL. Hence, the final investment decision shall at all times exclusively remain with the investor alone and BFL shall not be liable or responsible for any consequences thereof.
Bajaj Finserv Direct Limited, (“BFDL”), a wholly owned subsidiary of Bajaj Finserv Limited (is a Registered with SEBI as an Investment Advisor with Registration no. INA000016083). BFDL enables resident Indian customers to directly invest in third party mutual funds through its online platform. BFDL entered into a referral arrangement with BFL, whereunder, BFL may, without risk or responsibility on its part, refer the resident Indian customers who are interested in placing their investments in Direct Mutual Funds through BFDL online platform. Investment by a person residing outside the territorial jurisdiction of India is not acceptable nor permitted.
Disclaimer on Risk-O-Meter:
Investors are advised before investing to evaluate a scheme not only on the basis of the Product labeling (including the Riskometer) but also on other quantitative and qualitative factors such as performance, portfolio, fund managers, asset manager, etc. and shall also consult their financial advisers, if they are unsure about the suitability of the scheme before investing
FAQs
High-risk mutual funds are those that invest in stocks or equity that have a higher risk of losing value. These funds are also known as equity funds or growth funds. They are designed for investors who are willing to take on more risk in exchange for the potential of higher returns.
What are the tax considerations for mutual funds? ›
You must pay taxes on dividends, interest, and capital gains that the fund company distributes to you, in addition to capital gains on sale or exchange of shares in your account. Reinvesting distributions in more shares of the fund does not relieve you from having to pay taxes on those distributions.
Which mutual fund has the highest risk? ›
List of High Risk Risk Mutual Funds in India
| Fund Name | Category | Risk |
|---|
| SBI Conservative Hybrid Fund | Hybrid | High |
| ICICI Prudential Bharat Consumption Fund | Equity | High |
| Franklin India Dynamic Asset Allocation Fund | Other | High |
| Sundaram Equity Hybrid Fund | Hybrid | High |
7 more rowsWhile the product names and descriptions can often change, examples of high-risk investments include: Cryptoassets (also known as cryptos) Mini-bonds (sometimes called high interest return bonds) Land banking.
Which mutual funds have no tax implications? ›
Mutual funds invested in government or municipal bonds are often referred to as tax-exempt funds because the interest generated by these bonds is not subject to income tax.
What are the tax disadvantages of mutual funds? ›
Disadvantages include high fees, tax inefficiency, poor trade execution, and the potential for management abuses.
How risky are high risk mutual funds? ›
Market Conditions: High-risk mutual funds are heavily influenced by overall market conditions, including economic indicators, interest rates, inflation, and geopolitical events. These funds often perform well in bullish markets but can experience significant losses during market downturns or economic crises.
Why are mutual funds high risk? ›
They're prone to asset risk
Asset risk is the risk of facing losses due to the degradation in the quality of the asset or the company issuing the said asset. Since mutual funds also invest in debt instruments such as corporate bonds and debentures, asset risk is very much a part of it.
Can mutual funds be high risk? ›
The Risk of Mutual Funds
Market risk is a primary concern as the value of securities can go up or down based on changes in market conditions. A poorly performing sector or bad fund management could result in substantial losses.
What are 3 high risk investments? ›
5 Best High-Risk Investments
- Initial public offerings (IPOs)
- Venture capital.
- Real estate investment trusts (REITs)
- Foreign currencies.
- Penny stocks.
Equities and equity-based investments such as mutual funds, index funds and exchange-traded funds (ETFs) are risky, with prices that fluctuate on the open market each day.
Which fund has highest risk exposure? ›
Within equity mutual funds, small-cap funds are considered to be the riskiest. Small-cap funds invest in companies with a small market capitalization, which means they have a lower market share and are less established than larger companies.
What does a good mutual fund look like? ›
Mutual funds with relatively low expense ratios are generally always desirable, and low expenses do not mean low performance. In fact, it is very often the case that the best-performing funds in a given category are among those that offer expense ratios below the category average.
Is it safe to invest in mutual funds? ›
Mutual fund investments when used right can lead to good returns, keeping risk at a minimum, especially when compared with individual stocks or bonds. These are especially great for people who are not experts in stock market dynamics as these are run by experienced fund managers.
What is mutual funds in simple words? ›
A mutual fund is a pool of money managed by a professional Fund Manager. It is a trust that collects money from a number of investors who share a common investment objective and invests the same in equities, bonds, money market instruments and/or other securities.
How do I avoid paying taxes on mutual funds? ›
Hold Funds in a Retirement Account
This means you can sell shares of your mutual fund or collect a capital gains distribution without paying the relevant taxes so long as you keep the money in that retirement account.
How do I invest in mutual funds to avoid tax? ›
The best way of investing into ELSS funds is through monthly SIPs (systematic investment plan). The minimum investment through a SIP can be as low as Rs 500 per month. At the start of every year, work out the statutory deductions and calculate what you have left over from the Rs 1.5 lakh limit.
How do you avoid capital gains distributions on mutual funds? ›
If you want to help avoid falling into this sneaky tax trap, there are several options available to you:
- Make sure your investments are in the appropriate accounts. ...
- Seek out tax-managed mutual funds. ...
- Consider swapping out your mutual funds for exchange-traded funds (ETFs).
Long-term capital gains on mutual funds are available when you sell your equity shares after holding on to them for more than a year. When your long-term capital gains are above Rs 1 lakh, you will have to bear taxes on them. The LTCG on mutual funds tax rate is 10% with no indexation benefit.
