Invest · Mutual funds
A simple way to invest in many things at once.
A mutual fund spreads your money across many stocks or bonds, managed for you. Here is what they are, the types worth knowing, and how Savart helps you choose.
What is a mutual fund?
Your money is pooled with other investors and managed by professionals. One fund spreads across many stocks or bonds, so you are diversified from day one instead of betting on a single company.
You can start small and invest a fixed amount every month with a SIP, a systematic investment plan, so you build the habit without having to time the market.
Types worth knowing
The main kinds of fund, in a sentence each.
Equity funds
Invest mostly in stocks, aiming for growth over the long run, with higher ups and downs along the way.
Debt funds
Invest in bonds and other fixed-income, steadier and lower risk, useful for money you need sooner.
Hybrid funds
Hold a mix of stocks and bonds in one fund, to balance growth against stability.
Index funds
Simply track a market index like the Nifty, at a low cost, instead of picking stocks.
How Savart helps
- We recommend funds that fit your goals and how much risk you are comfortable with, not whatever pays us a commission.
- We take no commissions on the funds we suggest, so you can use direct plans and keep more of your returns.
- We review the funds you already hold and flag the underperformers, so you know what to keep and what to trim.
How to start
- 1
Tell us your goals
What you are saving for, your timeline and how you feel about ups and downs.
- 2
Get a shortlist
A short list of funds that fit, and a SIP amount you can start with each month.
- 3
Invest and track
Start your SIP and watch it in the app, with a review when your holdings drift.
Questions, answered
What is a SIP?
A SIP, or systematic investment plan, is a fixed amount you invest in a fund every month automatically. It spreads your buying across time so you are not trying to guess the right day, and it lets you start small and add to it steadily.
How much do I need to start?
You can start small. Many funds let you begin a SIP with a modest monthly amount. We help you pick an amount that fits your budget and your goal.
Direct vs regular plans, and do you take a commission?
A regular plan pays the seller a commission out of your returns; a direct plan does not, so more of your money stays invested. We take no commission on the funds we suggest, which means you can use direct plans and keep more.
Are mutual funds safe?
Mutual funds carry market risk; their value goes up and down and returns are not guaranteed. A fund does spread your money across many holdings, and the units are held in your own name. Pick funds that match your timeline and how much risk you are comfortable with.
Not sure which fund fits you?
Talk to an advisor, or get the app and start with a plan built around your goals. See everything you can invest in.