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Investing in a systematic manner with balanced mutual fund is a good approach to maximize wealth in a medium term.

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A balanced scheme is that category of mutual funds which take exposure in more than one asset class. It could be equity, debt or gold. These funds are different from other categories in the sense that these funds allocate their assets into two or more asset classes simultaneously. Under the new notification, SEBI has made distinction among several balanced schemes in order to bring uniformity.

Advantages Of Balanced Funds

  • Well diversified portfolio as these funds invest in a mix of debt and equity
  • The portfolio is managed by qualified fund managers
  • Low risk
  • Better returns than traditional instruments like FD's, RD's, PPF, Gold et

Is Balanced Fund A Good Investment?

Yes, balanced funds can be a good investment option for moderate risk investors who want to have an exposure in multiple asset classes simultaneously. The downside is also limited as the portfolio is well diversified across various asset classes. These funds can be a sort of good investment option for those investors who are in their retirement age. The retirees can invest their retirement corpus in these kinds of funds and opt for SWP i.e. systematic withdrawal plan in order to receive a regular monthly income in their retirement days.

Are Balanced Funds Tax-Free?

No, balanced funds are not tax-free; however different taxation rules may apply to different balanced schemes. Any particular scheme must invest at least 65% of its assets in equity shares and equity-related instruments in order to be treated as an equity mutual fund scheme for taxation purposes. Long term capital gains from equity schemes are taxed @10% on gains of over Rs 1 lac while STCG is taxed @15% flat.

What Kind Of Returns Can These Funds Generate?

Since balanced funds invest in multiple asset classes like equity and debt, they generate moderate returns in the range of 10-12% which is still higher than the returns generated by traditional investment products still higher than the returns generated by traditional investment products.

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Investment in mutual funds or any asset class comes with an inherent risk. This is just a web-based tool for getting a rough estimate about the future value of your SIP/lump sum investments. The calculations are based on projected annual returns and periods. The actual annual returns may be higher or lower than the estimated value and it may have a significant impact on the final returns/goals.
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