Mutual Fund
Mutual is the best type of investment.
if you want to beat the inflation. At Pritam Insurance, we offer expertly curated mutual fund services to help you grow your wealth by investing in a diversified portfolio of assets. Our goal is to provide you with a range of investment options that suit your financial goals, risk appetite, and investment horizon.
At Pritam Insurance, we offer two popular investment options for mutual funds to suit your financial strategy:
- How It Works: You invest a large amount of money all at once into a mutual fund.
- Best Suited For: Investors who have a significant sum of money ready to invest and want to maximize the growth potential immediately.
- Advantages:
- Potential for higher returns if invested during a market dip or early growth phase.
- Easy management since it’s a one-time transaction.
- Ideal for long-term goals, allowing the power of compounding to work over a longer period.
- Who Should Consider This: Individuals with excess funds from bonuses, inheritance, or savings looking for wealth growth over time.
- How It Works: You invest a fixed, smaller amount on a regular basis (monthly, quarterly, etc.), automatically deducted from your account.
- Best Suited For: Investors who prefer to invest gradually without needing a large initial amount.
- Advantages:
Rupee Cost Averaging: You buy more units when prices are low and fewer when prices are high, reducing the impact of market volatility.
Disciplined Savings: Encourages consistent investing and saving.
More accessible for people with limited funds but wanting to build wealth over time.
Who Should Consider This: People with a regular income, looking to invest systematically, without timing the market.
A Systematic Withdrawal Plan (SWP) is a feature offered by mutual funds that allows investors to withdraw a fixed amount of money at regular intervals (monthly, quarterly, etc.) from their investment. It’s designed for individuals who want a steady income stream, especially post-retirement, or for those looking to systematically redeem their investment.
Benefits of SWP:
Steady Income: Ideal for retirees or those looking for regular income from their investment.
Capital Preservation: By withdrawing only the appreciation or a limited amount, you can maintain the invested capital for a longer period.
Tax Advantage: In some cases, it can provide better tax benefits compared to lump-sum withdrawals.
Rupee Cost Averaging: With SWP, you can avoid timing the market as your withdrawals are spread over time.