Published On: Tue, Jul 4th, 2017

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I started saving a lot later in life than I should have – almost 8 years later. When I did start saving I turned to mutual funds. It doesn’t matter if you have the IQ of a genius or you are an average joe like me. Mutual funds are for everyone and more importantly for every need.

And let me tell you why.

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Mutual funds are probably the easiest investment avenue to get into (the only simpler one being a recurring deposit). As for documents, all you need is your bank account and pan card. No need to bother with a Demat account and stuff. With services such as Scripbox, it becomes even simpler.

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Investing in mutual funds starts at Rs. 1000 a month. Rs. 1000 was a pretty big deal when I started working but it was still what I used to spend on something like 3-4 extra biryanis in a month.
Rs. 1000 for a measure of financial security? That’s probably the cheapest and the most valuable bargain we’ll get in life.

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You can know next to nothing about stock picking or even how the stock market really works and still invest in equity funds as long as you choose something called a diversified large cap equity fund. Trust me it won’t take an MBA in finance to figure that out.

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Do you need a mutual fund for long term investing? Sure – equity funds will get the job done. Just want to put away some money for a couple of years. That’s covered too with a debt fund. From 3 months to 30 years, mutual funds come in types that cover almost all time frames.

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Be it a fancy retirement in Ooty in another 30 years or a vacation in Europe in five years, mutual funds can cater to almost every conceivable financial goal.

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Equity or shares of companies are the wealth creator of choice. But it’s not easy. Direct equity investing is akin to gambling if you don’t have a clue about what you are doing. Learning about equity investing takes time and effort and not all of us have the luxury of that time and effort.

Why not let an expert who knows what they are doing do equity for us? Equity mutual funds have experienced and skilled finance guys at the helm. So they do the equity investing for you and you simply invest the money.

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If you want your money to stay ahead of the monster called inflation and really grow your money then you will have to get into equity. With a history of 14%-16% returns on average over the decades, equity mutual funds have proven they work – as long as you think long term.

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