Mutual fund schemes offer an indirect way to invest in the stock market

Understanding which funds are suitable for different stages of life can guide investors in making informed decisions

During this phase, financial responsibilities are limited, and there is a higher capacity to bear losses.  It is an ideal time to start long-term investments, with a possibility of allocating up to 80 percent to equity funds for aggressive investors

Investing in Your 20s

Investors in their 20s should diversify their portfolio by investing some amount in liquid and debt funds to mitigate the risk of loss.  This age group can also allocate a portion of their equity portfolio to mid-cap and thematic funds, keeping in mind the higher risk associated 

Balancing Risk in Your 20s

In the 30s, income becomes more stable, and family responsibilities increase. Investments should be approached with caution, considering long-term goals like buying a house, children's education, and retirement planning.  Equity investments can be reduced to some extent, with up to 70 percent allocation for those comfortable with potential losses. 

Investing in Your 30s

Average investors in their 30s can consider investing up to 40 percent in diversified equity funds, striking a balance between risk and potential returns

Diversified Equity Funds in Your 30s

Expenses tend to be higher during this phase, with medium-term goals like homeownership and higher education for children.  A cautious approach is recommended, allocating a surplus amount to equity investments (not exceeding 60 percent) and the remaining to debt funds. 

Managing Investments in Your 40s

Approaching retirement, the focus shifts to ensuring a financially stable future. Investments should be shifted from volatile equities to safer schemes to protect capital.  This transition should begin gradually from three years prior to retirement 

Preparing for Retirement

Preparing for Retirement

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