{"id":4126,"date":"2017-05-15T12:52:04","date_gmt":"2017-05-15T12:52:04","guid":{"rendered":"http:\/\/s9financialplanners.com\/?p=4126"},"modified":"2025-02-21T10:18:18","modified_gmt":"2025-02-21T10:18:18","slug":"2ws-of-mutual-funds","status":"publish","type":"post","link":"https:\/\/s9financialplanners.com\/blog\/2ws-of-mutual-funds\/","title":{"rendered":"2W’s of Mutual Funds"},"content":{"rendered":"

Before we talk about Mutual funds, let us know have you ever been stuck in a decision-making situation? Did you ever feel that you need to know which direction you should be going and for how long?<\/h2>\n

Whatever may be the situation these two questions ‘When and Where’ are very important. If one is able to answer both these questions then he\/she has a successful roadmap ahead.<\/p>\n

Being a financial planner, it’s my responsibility to make my readers understand 2w\u2019s of mutual funds. Today everything is gift<\/a> wrapped in the name of advertising and only limited information is passed on, which the company thinks you need to know. Investor awareness<\/a> is a must, and according to me, effort should be put by everyone to know the 2w\u2019s of mutual funds as it is our hard earned money that is getting invested.<\/p>\n

So, when I say \u2018When\u2019 it refers to the time horizon that one should look out while investing. The investor should have clarity in his mind by when he would require his invested mutual funds amount and that \u2018when\u2019 should be measurable, which can either be in terms of days, months or years.<\/p>\n

Your \u2018Where\u2019 always depends upon your \u2018when\u2019 but the only expectation built up in clients mind is \u201cto have maximum growth\u201d.<\/p>\n

To simplify this thought let me explain you the \u2018when\u2019 & \u2018where\u2019 in a tabular format.<\/p>\n\n\n\n\n<\/colgroup>\n\n\n\n\n\n\n\n\n\n\n
\n

Time Horizon<\/b><\/p>\n<\/td>\n

\n

Types of fund<\/b><\/p>\n<\/td>\n

\n

Expected return<\/b><\/p>\n<\/td>\n<\/tr>\n

\n

1-180 days<\/p>\n<\/td>\n

\n

Liquid & Liquid Plus fund.<\/p>\n<\/td>\n

\n

6.5 % \u2013 7.5 %<\/p>\n<\/td>\n<\/tr>\n

\n

6 \u2013 18 months<\/p>\n<\/td>\n

\n

Short term debt funds<\/p>\n<\/td>\n

\n

7.5 % \u2013 8 %<\/p>\n<\/td>\n<\/tr>\n

\n

18 – 36 months<\/p>\n<\/td>\n

\n

Long term debt funds<\/p>\n<\/td>\n

\n

8 % – 9 %<\/p>\n<\/td>\n<\/tr>\n

\n

3 – 5 Years<\/p>\n<\/td>\n

\n

MIP\/Dynamic Bond Funds<\/p>\n<\/td>\n

\n

8.5 % – 10 %<\/p>\n<\/td>\n<\/tr>\n

\n

5 \u2013 7 Years<\/p>\n<\/td>\n

\n

Balanced Funds<\/p>\n<\/td>\n

\n

10 % – 12 %<\/p>\n<\/td>\n<\/tr>\n

\n

7 \u2013 10 Years<\/p>\n<\/td>\n

\n

Large Cap Funds\/Nifty ETF<\/p>\n<\/td>\n

\n

12 % – 15 %<\/p>\n<\/td>\n<\/tr>\n

\n

10 \u2013 15 Years<\/p>\n<\/td>\n

\n

Multi-Cap \/ Mid \u2013 Cap Funds<\/p>\n<\/td>\n

\n

15 % – 18 %<\/p>\n<\/td>\n<\/tr>\n

\n

15 Years & Above<\/p>\n<\/td>\n

\n

Mid \u2013 Cap\/Small Cap Funds<\/p>\n<\/td>\n

\n

18% & above<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

In the above-given table, the mentioned \u2018expected returns\u2019 according to the \u2018time horizon\u2019 should actually be your expectations. After seeing the table I am sure, some might have felt that at times the particular category of mutual funds may give returns way above the expected returns mentioned.<\/p>\n

True it is very much possible, but then that should not be set as your new expected returns because most of the times on the short term rally and the past performance these new expected returns are shown and high hopes are built up by advisors, agents, advertisements, even family and friends some time because of less experience.<\/p>\n

It is very important that you know your goal<\/a> and based on it you make your investment decisions,<\/p>\n

So now that you know the 2W’s that is \u2018when\u2019 & \u2018where\u2019 make a conscious effort to link your financial goals accordingly.<\/p>\n

Do leave your comments below if you have any questions!<\/p>\n

For everything else, S9 Financial Planners<\/a> is always around!<\/p>\n","protected":false},"excerpt":{"rendered":"

Before we talk about Mutual funds, let us know have you ever been stuck in a decision-making situation? 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