Join your Hand with a Brand: Tata Mutual Fund

Author: Dishika Baheti

Whenever we go for shopping, we have some brands in our priorities. We always prefer a brand we are familiar with, or we know its well-being. Similarly, in the case of buying a mutual fund, we must have complete knowledge of the company we are going to deal with.

All of us are familiar with the big name of Tata Group in our country. In our daily routine, we come across many things or products of the Tata group whether it be Tata Indica or Tata Nano, Titan Watch or Tanishq jewellery. Tata has built a great image in the minds of Indians due to its wonderful products. Tata mutual fund is one more diversified project of the same, and we can trust it undoubtedly.

We want to invest in those plans where we can be assured of getting good returns and also where our funds do not get misused. Tata mutual funds with its tagline "Expertise that’s trusted" makes sure that it will provide us with the best mentorship. Also, due to its association with the Tata group, we need not worry about our funds as the brand is a trusted one.

Tata mutual funds have a variety of schemes which are running successfully in the Indian market. These schemes are classified on different basis. The following are the categories under which they fall:

Solution Based:

The plans under this are aimed to provide financial help for education, marriage, retirement, etc. The following are the schemes under this:

  • Child’s Saving Plans: Our children are our life. We try our best to fulfil all their needs. This plan aims to protect our child’s future from suffering any uncertainty. Tata Young Citizen Plan has been built by the tata mutual fund to fulfil their desire.
  • Retirement Plans: We always wish to lead a life of comfort in our old age. But for that, a proper planning should be made. The Tata Retirement Saving Fund is structured in a way to fulfil all your needs at the old age.

    • Equity Based:

    There are various categories of schemes which deal in the equity stock of the companies. Some of them are:

  • Large Cap: The plans under this are focused on investing in the equity stock of companies which has large market capitalization.
  • Small/Medium Cap: These invest in those corp-orates which have a small or medium market capitalization.
  • ELSS: These are the schemes which are build to provide tax benefit to the investors under section 80C of Income Tax Act.
  • Sectoral: Various schemes are designed under the equity fund which invests in different sectors of the economy like infrastructure, banking, etc.
  • Diversified: Tata mutual fund provides certain diversified schemes as well which aim to benefit the investors in an efficient way. Some of the schemes under this category are Tata Equity P/E Fund, Tata Dividend Yield Fund and Tata Ethical Fund. All these schemes have their own objectives.

    • Debt Based:

    Tata mutual fund has different plans running which primarily invests in the debt funds. The various plans under this are:

  • Liquid: These are designed in a way to provide quick cash to the investors. This is the reason they invest mainly in the short-term securities and money market instruments.
  • Short-Term: These plans primarily invest in the short term debt instruments. It benefits those investors who want to invest for a short span of time.
  • Income: The investments under this category are made in those plans which yield regular and steady incomes.
  • Dynamic Bond: These funds aim to earn capital gains by investing for a longer period. They are preferred in the case when high volatility is expected in the environment.
  • Gilt: These funds mainly invest in the government securities as they have least credit risk.

    • Hybrid Fund:

    These funds are the mixture of equity and debt funds and contain features of both the funds. Tata mutual funds provide the funds which are equity oriented and thus ensure growth with stability.

    Close-ended Funds:

    They include equity fund and debt fund. Where equity funds aim to provide wealth creation and investments are made for a long term, debt funds are primarily build to fulfil short and medium term goals.

    Thus, tata mutual fund by providing a great variety of schemes aims to benefit every investor.

    This article would help you know why tata mutual funds are preferred by the investors while choosing an AMC to make investments in mutual funds.