The BaselineMutual Fund
Mutual Funds
The base layer of most portfolios — pooled, professionally managed, easy to enter and exit. Comfortable and liquid, but built for the many, not tailored to you.
Minimum₹500 (SIP)
Indicative range12–14% p.a. equity · 6–7.5% debt
Risk bandModerate–High
LiquidityT+1 to T+3
Horizon3–7+ yrs
What it actually is
A SEBI-regulated pooled fund that spreads money across 40–80 securities under strict diversification rules. The most liquid and most regulated structure in Indian investing — and the benchmark every alternative has to beat.
The job it does
- Long-term compounding with full liquidity
- Disciplined investing through SIP
- A common yardstick to judge everything else against
Why people use it
- Daily NAV; redemption in 1–3 working days
- Lowest entry point of any structure
- Taxed only when you redeem — internal churn is not taxed in your hands
What can go wrong
- Wide diversification caps the upside — a 2% position doubling barely moves the fund
- Rules force at least 65% into the mandate, limiting the manager
- Many funds quietly track the index after fees
Does Mutual Funds belong in your architecture?
Seven questions narrow thirteen structures to a shortlist.
Adjacent materials
Content on this site is for education only and is not investment advice or an offer to sell any product. Past performance does not guarantee future results. Please consult your Chartered Accountant and read all scheme documents before investing.