(Disclaimer: The fund list is not advice from Groww. This is ideal for cash management and parking surplus funds in the short term. What are the top performing Equity Mutual Fund SIPs in India Best SIP plans to invest in 2015 Best Large cap, Mid Small Cap, ELSS & Balanced MFs. Fidelity Simplicity RMD 2015 Fund Fidelity FreedomР’В® Index 2015 Fund T. The second scheme in our universe is a money market fund that invests in short-term securities of up to a year. Here are the best Target-Date 2015 funds. Investors who are averse to risk can invest in such schemes.

The interest risk in short-term funds are much lower compared to long-term debt funds. Low-duration debt funds invest in securities which have maturities from a year to three years. The scheme from Franklin that we have chosen above invests in low-duration securities. Debt FundsР”В¬ompared to equity funds, debt fund returns will be lower, but they are much more stable РІР‚вЂњ depending of course on the securities in which the schemes have invested. The positive side of this is it allows for the assets to grow. This means that these schemes cannot be redeemed for a period of three years from the date of investment. Tax-saving funds or equity-linked savings schemes have a lock-in of 3 years, provide tax benefit under Section 80C of the Income Tax Act and investors need to factor this in when making their investments in such schemes.

Invest small amounts every month in these schemes in order to average out your costs. Small-cap funds perform better over the long term and, therefore, investors need to look at at least a 10 to 15-year horizon when investing in such schemes. When investing in the schemes that we have listed above, investors should spread their investments across the schemes so that their risk is diversified. Investors need to understand that compared to large caps, small and mid-cap companies can grow faster but there is also a higher risk associated with them. As expected, the mid-cap and small-cap funds have given better returns compared to the large-caps since over the last five years there was quite a big rally in the small-cap and mid-cap sector. Equity FundsР”Р„ll the schemes are the top-performing funds in their category and the returns generated over five years are higher than the benchmark. These are the 3 most popular categories of mutual funds. We have segregated the mutual fund schemes into equity funds, tax-saving funds and debt funds.

2015 best performing mutual funds