mutual funds

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Way to Wealth
about me
I am Kalanithi Pandiyan, the founder of Way to Wealth,
renowned for my expertise in Stocks and having 6 years of
experience, Mutual Funds, Personal Finance, forex
trading, and Spot Gold trading. With over 150k +
followers on Instagram, I've empowered 3.5k+ individuals
through valuable content and educational Workshops.
how do mutual funds work?
pool their
delivered to money to
Investor

Returns Fund Manager

(AMC)

helps invest in
generate

Financial Securities
Are Mutual Funds safe?
Mutual Funds are regulated by
SEBI.
Mutual Funds are transparent
investments.
They are profitable in the long
term.
benifits of mutual funds:
INVESTMENT GOALS
EMERGENCY FUNDS
MEDICAL EMERGENCY
technical advantages:
diversification
liquidity
pfm
small ticket size
beating inflation
tax benefits
what is asset management company?

A company that invests the pooled funds of

investors in financial securities.
The investment manager of the mutual funds
and their team will analyze securities and
invest in them.
what is asset management company?

The AMC cannot engage in any business other

than that of financial advisory and investment
management.
The AMC is approved and monitored by SEBI.
types of mutual funds:
debt
equity
hybrid
what is debt mutual funds?
debt funds are investing in debt instruments
like corporate & government bonds.
average returns - Depends on the fund
The advisable investment period is short-term
and mid-term
Taxation: Based on your income tax slab
1. long duration debt funds
Long-duration debt funds are investing in like
corporate & government bonds.
average returns - 8% per annum
The advisable investment period is short-term
and mid-term
Taxation: Based on your income tax slab
2. liquid debt funds
liquid debt funds invest in bonds with at least a
90-day mature period.
average returns - 5-7% per annum
The advisable investment period is short-term.
Taxation: Based on your income tax slab.

days
matured period
3. Overnight debt funds
overnight debt funds invest in bonds with at
least a 1-day matured period.
average returns - 4-6% per annum. 1-day
The advisable investment period is short-term. matured period
Taxation: Based on your income tax slab.
what is equity mutual funds?
equity funds are investing in equity securities
(stocks).
average returns - depends upon funds.
advisable investment period - longterm (more
than 5 years).
types of equity mutual funds:
1. large-cap fund:
invest in the top 100 rank stocks of the
Indian market.
advisable investment period: 5 years (min)
average returns: 13-15% per annum
Taxation: 10% (oNLY IN PROFIT)
2. mid-cap fund:
invest in 101 - 250 rank stocks of the
Indian market.
advisable investment period: 10 years
average returns: 15-18% per annum
Taxation: 10% (oNLY IN PROFIT)
3. small-cap fund:
invest in stocks that rank above 250
advisable investment period: 15 years
average returns: 18-22% per annum
Taxation: 10% (oNLY IN PROFIT)
4. flexi-cap fund:
invest in a combination of large-cap, mid-
cap & small-cap
advisable investment period: 10 years
average returns: 15-17% per annum
Taxation: 10% (only IN PROFIT)
5. Dividend yield fund:
invest in dividend-paying stocks
advisable investment period: 10 years
average returns: 15-20% per annum
Taxation: 10% (oNLY IN PROFIT)
6. thematic/sectoral fund:
invest based on particular sector stocks
advisable investment period: 10 years
average returns: 15-20% per annum
Taxation: 10% (oNLY IN PROFIT)
7. elss fund (tax saving fund):
these funds help you to save your income
tax under the 80c act
Lock-in period: 3 years
advisable investment period: 10 years
average returns: 15-20% per annum
Taxation: 10% (oNLY IN PROFIT)
8. value/contra fund:
Investing in underrated stocks that give
us huge returns in the long term
advisable investment period: 10 years
average returns: 15-20% per annum
Taxation: 10% (oNLY IN PROFIT)
what is hybrid mutual funds?

hybrid mutual funds are investing in a

combination of equity, debt & commodities.
average returns - depends on a fund.
The advisable investment period - mid-term
types of hybrid mutual funds:
1. conservative hybrid funds:
combination of debt & equity.
debt - 75% ; equity - 25%
advisable investment period: 3-5 years
average returns: 10-12% per annum
Taxation: Based on your income
2. balanced hybrid fund:
combination of debt & equity.
debt - 60% ; equity - 40%
advisable investment period: 3-5 years
average returns: 9-13% per annum
Taxation: Based on your income
3. aggressive hybrid fund:
combination of debt & equity.
debt - 25% ; equity - 75%
advisable investment period: 5 years
average returns: 13-15% per annum
Taxation: 10% (oNLY IN PROFIT)
4. multi asset allocation fund:
gold debt
combination of debt, equity & commodity 30% 30%

debt - 30% ; equity - 40% ; gold - 30%

advisable investment period: 5 years
average returns: 10-15% per annum
Taxation: 10% (oNLY IN PROFIT)

equity
40%
active fund &
passive fund
what is active fund?
fund managers choose stocks in active funds.
expense ratio: 0.75% - 1.5%
ex: equity large-cap, mid-cap, small-cap,
Flexi-cap
average returns: depends upon fund
risk factors: depends upon fund
what is passive fund?
investors choose a segment or sector of a
market
expense ratio: 0.25% - 0.5%
ex: nifty 50 & Sensex 30
average returns: 10% - 15% per annum
risk factors: low risk
investment method in
mutual funds:
lumpsum
sip - systematic investment plan
direct or regular
Which one should be chosen?
how to invest in
mutual funds?
MUTUAL FUNDS
gOAL based investment
examples:
home
marriage
education
business
 WAY TO WEALTH'S
ONE-ON-ONE consultation
+
mentorship program
ABOUT THIS CONSULTATION:
During the one-hour, one-on-one online
consultation, you will receive proper guidance
from me.
We can discuss Personal Finance, Mutual Funds,
SAVINGS & INVESTMENT IDEAS AND PERSONALISED FUNDS.
TAKE AWAY:
A clear portfolio to KNOW where to invest properly
THAT TAILORED FOR YOUR NEEDS
yearly mentorship
benefits:
1. Portfolio stock prior updates
2. Target prices for portfolio stocks
3. Multi-bagger stock updates
4. Lump-sum Mutual Funds updates
5. Monthly special webinar for our mentorship
members
6. Every Friday chat opens for doubt clearance
7. Every week, a blog on stocks or mutual funds
 price of the
consultation mentorship
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 only for you
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