Are you interested in smart investments? Do you plan to trade in something that is a lot easier to manage than financing stocks? Does the risk involved with the investments worry you and you are on a look-out for risk-free financial products?

Mutual Fund is a scheme that raises money from the investors and invests it into various stocks, securities, and bonds, based on the MF’s investment objective. Investors could be either retail or institutional in nature.

At Harvest, we do not believe in offering any guidance or recommendations on which mutual fund is the best and which one is not, leading you to follow a herd mentality. But instead, we would like to encourage you to embark on a journey with us to help you understand and answer the most basic question; “Why do I need to Invest?  and How you could I do so confidently by myself without seeking any outside help.

All of us need to know the benefits and downsides of investing in Mutual Funds compared to direct investing— even though the possible gains through mutual funds outweigh their limitations, by far.

BENEFITS                                                      IMPEDIMENTS

Tax Effectiveness                                             Costs of Managing a Fund 

Diversification                                                   Lock-in periods and Tax

Access to professionals                                     Dilution

Passive Investment

Before you seek to invest, it’s imperative to understand the fund’s investment goals and make sure you are comfortable with the risk level involved. Even if two funds appear similar, their risk and return characteristics may not be identical. Therefore, it is crucial to learn more about the working of mutual funds before taking the plunge.

You might also like to speak with a financial advisor who can help you decide which types of funds best meet your investment requirements.

ARN: 112522