Posted on 3/31/2023 12:30:00 PM

Meeting future goals often comes with a task of gathering enough money to fulfill those needs. These goals can be short-term, medium-term or long-term in nature. For example, planning for retirement might be a long-term goal (20-30 years), while planning an international vacation might be a short-term goal (2- years). Mutual funds allow investors to choose between different schemes based on what suits their different financial goals, risk appetite, investment horizon and investment amount. For example, investors with a conservative risk profile may choose debt funds and investors with an aggressive risk profile can explore more opportunities in equity funds, while those looking for a combination of both can consider hybrid funds.

One of the most important factors to consider when it comes to financial planning for the future, is the impact of inflation. With inflation, the cost of living increases every year and so what might cost a certain amount at the moment, could be pricier, two or three times down the line. This is why it's important to regard for inflation when planning and therefore investing in mutual funds can potentially help us all. Mutual fund investment might help you earn good returns, which means that there is a probability that you won’t just save money but also can grow enough money to accomplish your long term financial goals.

In Mutual funds you can get access to a plethora of investment options which may allow you to create an investment portfolio with different schemes that align with your long term goals and values. This might also help potentially mitigate risk through diversification but also serve to meet different financial goals. Regular investing in mutual funds through SIP could also inculcate financial discipline. It is all these elements of mutual funds and the fact that they could help meet your goals in a structured and timely manner that make them a suitable investment option for future financial planning

When investing in mutual funds you could also consider investing through SIP (systematic investment plan), which allows you to invest affordable amounts in fixed instalments over regular periods of time (weekly, monthly, quarterly, etc.). Through SIPs you can build up your investment corpus over time and benefit from both rupee cost averaging and the power of compounding. These potential benefits are more pronounced when you invest early and stay invested for the long-term.

Mutual funds offer investors a wide range of investment options which allow you to create an investment portfolio with schemes of varying investment horizons and risk exposure. These could not only potentially mitigate risk through diversification but also serve to meet different financial goals. Regular investing in mutual funds through SIP could also instill financial discipline. Which simply means that while you unintentionally end up spending money regularly, mutual funds can give you an opportunity to invest your money regularly.

Moreover, by investing your idle money in mutual funds as a lump sum amount or SIP, your portfolio also gets the benefit of being monitored by professional fund managers. This means once you invest your hard earned money in mutual funds, you can sit back and relax as the professional fund managers will timely monitor the markets with an aim to provide you potential returns.

While mutual funds could be a good way to conquer your dreams and goals, ensure that there is enough diversification or spread of investments across various schemes.

An investor education initiative by ICICI Prudential Mutual Fund

Visit to know more about the process to complete a one-time Know Your Customer (KYC)requirement to invest in Mutual Funds. Investors should only deal with registered Mutual Funds, details of which can be verified on the SEBI website ( For any queries, complaints & grievance redressal, investors may reach out to the AMCs and / or Investor Relations Officers. Additionally, investors may also lodge complaints on if they are unsatisfied with the resolutions given by AMCs. SCORES portal facilitates you to lodge your complaint online with SEBI and subsequently view its status.(
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Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

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