UTI Mutual Funds are one of the premier mutual fund companies in India, offering numerous schemes tailored to every investor’s specific needs and providing retirement solutions, portfolio management strategies and international banking.
UITs typically feature fixed start and stop dates that typically range from one to 20 years, unlike mutual funds which allow shareholders to change the ownership of their trust at will.
1. Diversification
Mutual fund investing can be a great way to diversify your portfolio. Unlike individual stocks that have fixed end dates or numbers of shares, mutual fund portfolios can be easily adjusted depending on market conditions or investment horizon shifts.
Diversifying allows you to meet any financial goal that you set, while at the same time mitigating risk by investing in multiple asset classes. A diversified investment portfolio also can take advantage of potential uptrends across different asset classes.
Mutual funds provide an ideal means of diversifying your investments by giving you access to securities with various market capitalisations and industries, increasing returns by investing in more stocks across a wide spectrum. But don’t forget that diversifying is no guarantee against market volatility; as with any investments, regular monitoring should still take place.
Investing in a uti multi-asset growth fund allows your money to be spread among several assets such as equity, debt and gold – giving you a wider view of the market and enabling better decisions to be made. Furthermore, gains from this fund are tax efficient; you could enjoy up to Rs 1 lakh of long term capital gains per year!
Paytm Money makes investing in mutual funds easy! Just create or log in to an existing Mobikwik account, provide personal details like address, PAN card number and mobile phone number; select the mutual fund you wish to invest in and pay via Mobikwik; invest either one lump sum at once or make payments regularly through SIPs (Systematic Investment Plan).
2. Flexibility
UTI Mutual Fund offers an assortment of schemes. A unit-linked investment plan (ULIP), for instance, gives both market-linked returns and life insurance protection; another scheme pays you regular income from short-term debt securities while giving you access to withdraw investments at any time – subject to an exit load fee – whenever desired.
The UTI Core Equity Fund was created for investors who seek exposure to both large and mid-cap stocks using a value style approach, with an emphasis on diversification to avoid sector and stock concentration. It seeks to deliver consistent returns through this strategy.
Furthermore, this UTI multi asset fund features low volatility over a long-term horizon and dynamically managed portfolio allocation to create tax-efficient returns across asset classes. Furthermore, its high quality corporate debt portfolio acts to lower risk than comparable funds and gold funds.
Similarly, the UTI Wealth Builder Fund invests only in low-risk assets such as sovereign securities issued by central and state governments to guarantee risk-free returns regardless of economic fluctuations.
As such, this uti mutual fund enables you to generate higher returns over a longer time period with its low minimum investment requirement.
Investing in Uti funds has never been easier or more convenient with Paytm Money app or website, where all that’s necessary to register with KYC details and fill in personal and bank account info is to register with your KYC details and supply personal and bank account data. Once registered, investing can begin immediately either in one lump sum payment or small amounts at regular intervals known as Systematic Investment Plans – entirely digital and hassle free process!
3. Tax-efficiency
UTI Mutual Fund schemes offer investors tax-efficient investments. You can choose to invest a lump sum or through an SIP plan; both options will allow for lower taxes on returns. Also important to keep in mind is that tax amount payable depends on how long an investment has been held – with longer holding times coming with reduced tax rates.
An investment in an untaxed fund will allow you to save taxes while providing returns based on the performance of its underlying assets. Such funds have historically given returns between 12%-15% over long-term investment horizons due to investing in stocks across market capitalization spectrum for greater diversification in portfolio. Furthermore, their three year lock-in period enables more aggressive asset allocation decisions from fund managers.
Your investment in UTI mutual funds can be made easily via our website and app, just by creating or signing in to an existing Mobikwik account and completing KYC process. After doing this, simply select your UTI Mutual Fund scheme of choice and invest either lump sum or SIP mode – paying through Auto Pay, Netbanking or UPI is accepted – once completed you will be able to view it within your Mobikwik account.
Keep in mind that any investment comes with risks. Before making any decisions or taking actions on any market-linked instruments, it is vital to study and analyse the market thoroughly as well as an individual fund’s past performance before forming your opinion on its viability or otherwise. Gains or losses made within a portfolio could also be subject to income tax regulations in your jurisdiction.
4. Reliability
UTI is one of the oldest mutual fund companies in India and boasts a longstanding legacy of creating investor wealth. They pioneered groundbreaking products like UTI Mastershare combining life insurance and market returns, and were pioneers of gold-linked mutual funds as well. Now over 45 years old, this fund house holds assets under management exceeding Rs2.3 trillion as of Q1FY23 earning them 8th position for market share.
UTI provides investors with a range of equity and debt funds designed to meet their investment goals. One of its top performing funds, the UTI Balanced Advantage Fund, delivers long-term capital appreciation by dynamically allocating equity to debt. To minimise debt risk it invests in high-quality corporate bonds with various maturities while using bottom-up stock picking for managing equity allocation.
UTI Retirement Benefit Pension Fund offers another reliable choice, promising to deliver regular income and security in retirement. With its five-year lock-in period or until your retirement age (whichever comes first), this fund’s manager, Ajay Tyagi, has helped transform it from its previous large cap-biased strategy towards one with greater diversification over time.
Paytm Money makes investing in UTI mutual funds simple! Simply complete and submit your KYC details electronically for hassle-free investing instantly! Plus, lump sum investments or auto payments through bank accounts are possible – simply download our app or visit our website now to get started.
5. Flexibility
UTI is one of the oldest fund houses in India and its funds have consistently performed well over time. Their investment options encompass both equity and debt schemes; solution-focused funds such as UTI Retirement Benefit Pension Fund provide retirement planning solutions; additionally they have over 48000 AMFI/NISM certified Independent Financial Advisors as well as 150 full-time Financial Service Centres that make their funds even more accessible.
A unit investment trust (UIT), similar to a mutual fund but with some distinct differences. UITs are term-based investment strategies with set start and end dates – typically anywhere between one and 20 years; during which time, their assets will be held on your behalf for trading among investors in the trust. When its term ends, you’ll receive your principal as well as any gains accrued.
Prior to investing, it’s essential to remember that mutual fund investments are market-linked and therefore susceptible to market risk. Before choosing your fund(s), research their past performance thoroughly as well as matching it to your long-term goals and investment horizon. You may choose either investing all at once or smaller amounts at regular intervals through SIPs – either way it is best done through an established platform like Mobikwik as this will ensure both safety and convenience when withdrawing cash quickly – perfect if you need access quickly when on the go or when withdrawing funds quickly from other funds!
