Liquid funds are open ended mutual fund schemes which help manage short term cash surpluses of investors and endeavour to provide optimal returns with low levels of risk and high liquidity. These funds generate returns through interest accrual by investing in money market instruments like commercial papers, certificate of deposits, CBLO/ Repos and in short term debt instruments.
The Reliance Credit Risk fund aims to generate optimal returns with moderate risk and invests in Debt & Money Market instruments.
Reliance Balanced Advantage Fund attempts to reduce volatility associated with equity investments, and hence provide a better investment experience
Inflation over time depletes your idle money lying in the safe. This Diwali, give it a chance to grow.
Diwali, the most eagerly awaited Indian festival is also synonymous with Lakshmi Pujan, where we pray to Goddess Lakshmi for her eternal blessings.
While we do everything we can to attract Goddess Lakshmi (money) to us, are we sure we do enough to protect and grow the money we already have? Most of us are unaware of the perils of inflation and the depleting effect it has on our idle money.
Inflation is like your money sailing against the tide. Over time, it depletes your idle money as the value of your money doesn’t grow & it depreciates its value. There are newer avenues for your hard-earned money than the more traditional ways of saving in a safe at home This Dhanteras, rather than keeping all our money in a “safe” at homes, think different.
Let’s give money an opportunity to grow. You may consider the following three offerings from RMF –
Reliance Liquid Fund (An Open Ended Liquid Scheme)
A liquid fund is true to its name in terms of liquidity, it being similar as that of a savings account. At RMF, we understand the concerns you might have with your contingency or surplus money. You would want to keep it always-available.
By investing in debt and money market instruments with very short maturity periods (up to 91 days), liquid funds are comparatively ranked low on risk and aim to provide stable returns. Your physical surplus cash at home can be invested in liquid funds, in order to let it grow.
RELIANCE BALANCED ADVANTAGE FUND (an open ended dynamic asset allocation fund)
Another option available for you to consider is Reliance Balanced Advantage Fund. The fund endeavours to benefit from the potential upside in equity market while limiting the downside. This is done by managing the portfolio between investment in equity & equity related instruments and active use of debt, money market instruments and derivatives.
RELIANCE CREDIT RISK FUND (An open-ended debt scheme predominantly investing in AA and below rated corporate bonds (excluding AA+ rated corporate bonds))
In case you are a moderate risk taker with a holding period of 3 years or more, you may consider this fund. This Scheme primarily aims to generate optimal income consistent with a moderate level of risk. This income may be complemented by capital appreciation in the portfolio. Accordingly, investments shall mainly be made in Debt and Money Market Instruments. This may also help you avail tax efficiency due to the indexation benefit available to debt funds if the investment is long-term (as per definition of sec 2 (29A) of The Income Tax Act, 1961)
It may be prudent to consider various options before deciding on the ones that are in-line with your investment objectives. We are happy to assist you.
Diwali is about family, happiness and growth. Just like your money. So, this festive season, let us “unsafe” by investing money differently.
After all, #YehDiwaliMutualFundWali!
The information herein is meant only for general reading purposes and the views being expressed only constitute opinions and therefore cannot be considered as guidelines, recommendations or as a professional guide for the readers. Before making any investments, the readers are advised to seek independent professional advice, verify the contents in order to arrive at an informed investment decision. None of the Sponsors, the Investment Manager, the Trustee, their respective directors, employees, affiliates or representatives shall be liable in any way for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including on account of lost profits arising from the information contained in this material.
|Reliance Liquid Fund (An Open Ended Liquid Scheme)|
|Reliance Credit Risk Fund (An open ended debt scheme predominantly investing in AA and below rated corporate bonds (excluding AA+ rated corporate bonds)|
|Reliance Balanced Advantage Fund (An open ended debt scheme predominantly investing)|