Month: September 2025

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Asif Khan

what is flexi cap

FlexiCap Funds are a type of mutual fund that invest across large-cap, mid-cap, and small-cap stocks. These funds give fund managers the flexibility to pick the best stocks based on market conditions. This makes them an ideal choice for middle-class families, offering the potential for 12–15% growth over 5 years while keeping investments diversified.

History of flexicap

FlexiCap Funds are a relatively new type of mutual fund.

Earlier, mutual funds had fixed allocation rules – you had to invest a certain % in large-cap, mid-cap, or small-cap stocks.

FlexiCap Funds were introduced to give fund managers flexibility,
allowing them to adjust investments dynamically across all market caps depending on market trends.

Over the last 5–10 years, these funds have become popular among middle-class investors, offering both diversification and good growth potential.

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1️⃣ Parag Parikh Flexi Cap Fund

Parag Parikh Flexi Cap Fund is a premium global flexi-cap mutual fund available to investors in India. 🌍
It invests across a wide spectrum of stocks, including large-cap, mid-cap, and small-cap companies, both domestically and internationally. Its primary goal is long-term wealth creation, providing investors exposure to global markets. By combining domestic and international opportunities, this fund allows for portfolio diversification, aiming to balance risk and reward effectively over time.

Key Highlights

This fund follows a value and growth-oriented investment strategy, carefully selecting stocks with strong potential for long-term appreciation. It is particularly suitable for middle-class investors who want to build wealth gradually. Over the last 5 years, the fund has delivered approximately 21.43% CAGR (Check on Moneycontrolhttps://www.monnycontrol.com), making it a consistent performer in its category. Investors benefit from diversification across market caps and exposure to Indian and global equities, which helps balance risk and growth potential.

Why Choose This Fund

Investors prefer Parag Parikh Flexi Cap Fund because it offers a balanced risk-return profile through strategic allocation across domestic and international stocks. Managed by experienced fund managers, the fund emphasizes long-term sustainable growth. With an average 5-year return of 21.43%, it is ideal for investors seeking a well-diversified portfolio, a global perspective, and consistent performance. Its unique blend of value and growth stocks ensures a comprehensive strategy for wealth creation over the years. 💼They Ignored You When You Were Broke — Now They Watch in Silent Jealousy

2. Mirae Asset Flexi Cap Fund

📈 5-Year ReturnThe Mirae Asset Flexi Cap Fund has delivered an impressive ~20% CAGR over the past five years.👉 For example, if someone had invested ₹1,00,000 in 2019, today that amount would have grown to ₹2,48,800+ in 2024. This shows the fund’s power in compounding and wealth creation.

💡 Investment Strategy

The fund primarily invests in Indian equities with a focus on high-growth sectors like Banking, IT, Healthcare, and Consumer Goods. By spreading investments across large-cap, mid-cap, and small-cap stocks, it ensures a balanced mix of stability and aggressive growth. This helps middle-class investors enjoy the growth of India’s economy while minimizing risk from market fluctuations.Best Investment Options for Beginners in India (2025 Guide)

. #3 JM Flexi Cap Fund

1. Diversified Across Market CapsJ M Flexi Cap Fund invests in large-cap, mid-cap, and small-cap stocks, allocating funds dynamically based on market trends. For example, if the fund has ₹500 crore invested in large-cap stocks, it might allocate ₹300 crore to mid-cap and ₹200 crore to small-cap to balance risk and returns.

Sectoral Flexibility

The fund shifts investments across sectors like technology, finance, healthcare, and consumer goods depending on growth opportunities. This flexibility allows ₹100–₹200 crore to move into high-growth sectors without affecting overall portfolio stability.https://www.moneycontrol.com/

Dynamic Risk Management

JM Flexi Cap Fund adjusts its portfolio according to market volatility. During uncertain times, the fund may increase allocation to safer large-cap stocks and reduce exposure in small-cap stocks, ensuring that the investor’s ₹1 lakh SIP or ₹5 lakh lump sum is protected while still aiming for growth.“7 Proven Ways for Small-Town Students to Earn Money Online in 2025 (₹5k–₹50k/Month)”

4. Quant Flexi Cap Fund 🚀

This fund is a flagship offering known for its dynamic and aggressive investment strategy, frequently ranking among the top performers in the Flexi Cap category. It is an ideal choice for investors with a high-risk appetite aiming for accelerated long-term capital growth.

Investment Strategy & Philosophy

The Quant Flexi Cap Fund relies heavily on a Quantitative (Quant) model which uses predictive analytics and market signals, rather than traditional research, to actively manage its portfolio. The fund managers use a flexible approach, aggressively shifting allocation across large, mid, and small-cap stocks based on their proprietary VLRT (Valuation, Liquidity, Risk, and Time) framework. This high-conviction, concentrated approach allows the fund to swiftly capitalise on market volatility and capture significant growth opportunities.

Performance and Key Figures

The The fund has demonstrated sorryty check 🔗http://Quant Flexi Cap Fund Direct-Growth – Latest NAV, Returns, Performance 2025 Source: exceptional compounding ability, delivering a high 5-year CAGR of approximately 27.9\%. As of the latest data, its Assets Under Management (AUM) stand at around ₹6,686.67 Crores. An investor can start a Systematic Investment Plan (SIP) with a minimum amount as low as ₹250, making it accessible to most middle-class savers aiming for high returns. has demonstrated exceptional compounding ability, delivering a high 5-year CAGR of approximately 27.9\%. As of the latest data, its Assets Under Management (AUM) stand at around ₹6,686.67 Crores. An investor can start a Systematic Investment Plan (SIP) with a minimum amount as low as ₹250, making it accessible to most middle-class savers aiming for high returns.7 Proven Ways for Students to Make Money

5 PGIM India Flexi Cap Fund 📊

This fund has rapidly gained recognition for its consistent, risk-adjusted returns and a structured investment process focused on generating alpha across market cycles. It appeals to investors seeking a balance of aggressive growth potential and strong downside protection.https://www.pgimindia.com/mutual-funds/equity-funds/flexi-cap-fund

Investment Strategy & Philosophy

The PGIM IThe PGIM India Flexi Cap Fund adheres to a disciplined GARP (Growth at a Reasonable Price) philosophy. The fund managers focus on identifying high-quality businesses with strong governance and a proven track record of earnings growth, but only when they are available at attractive valuations. The strategy involves a rigorous 3-step investment process—Idea Generation, Fundamental Research, and Portfolio Construction—ensuring that capital allocation is based on deep analysis rather than market sentiment. This balanced approach helps the fund remain resilient during volatile market phases.adheres to a disciplined GARP (Growth at a Reasonable Price) philosophy. The fund managers focus on identifying high-quality businesses with strong governance and a proven track record of earnings growth, but only when they are available at attractive valuations. The strategy involves a rigorous 3-step investment process—Idea Generation, Fundamental Research, and Portfolio Construction—ensuring that capital allocation is based on deep analysis rather than market sentiment. This balanced approach helps the fund remain resilient during volatile market phases.

Performance and Key Figures

The fund has demonstrated its efficacy by delivering a robust 5-year CAGR averaging around 21\%, positioning it well above the category average. The total size of the fund, or its Assets Under Management (AUM), currently stands at approximately ₹8,500 Crores (Note: AUM figures are subject to daily market fluctuations). For investors initiating a Systematic Investment Plan (SIP), the minimum investment requirement is generally ₹1,000, making this high-quality, high-growth fund accessible to a wide range of investors.Best Investment Options for Beginners in India (2025 Guide)

6 UTI Flexi Cap Fund 🛡️

They Ignored You When You Were Broke — Now They Watch in Silent JealousyUTI Flexi Cap Fund is an excellent choice for building a core equity portfolio due to its established reputation, stability, and focus on high-quality investments.http://Investment

Investment Strategy & Philosophy

The fund employs a rigorous bottom-up stock selection approach, primarily focusing on acquiring high-conviction, quality stocks irrespective of their market size (large, mid, or small-cap) or sector. The fund seeks out companies with solid fundamentals, experienced management, and a high potential for compounding wealth over a long period. This disciplined, long-term approach makes it suitable for conservative investors with an investment horizon of five years or more. The portfolio is often seen as less volatile than many of its aggressively managed peers.

Performance and Key Figures

Known for its consistent performance across various market cycles, the fund has given a respectable 5-year CAGR of approximately 18.16\%. It is one of the largest funds in the Flexi Cap space, managing substantial Assets Under Management (AUM) of roughly ₹25,500 Crores. You can initiate a SIP in this quality-focused fund with a minimum monthly investment as low as ₹500. Sorsehttps://www.utimf.com/mutual-funds/uti-flexi-cap-fund-formerly-known-uti-equity-fund

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In today’s fast-paced life, having a steady monthly income is crucial. Investing in the right schemes can help you earn ₹5,000, ₹10,000, or more every month while keeping your money safe. These monthly income schemes provide fixed and reliable returns, helping you manage expenses and secure your financial future. Here are the top 7schemes to start earning consistent monthly income.

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1. Senior Citizen Savings Scheme (SCSS)

1. Higher Interest Rate
   SCSS generally offers around 8.2% p.a. (2025 rate approx). For example, if you invest ₹1,00,000, you can earn about ₹8,200 per year as interest. Bigger deposits like ₹10 Lakh can generate ₹82,000 yearly.

#2Quarterly Payouts

The interest is credited every 3 months. So, on an investment of ₹1,00,000, you get around ₹2,050 every quarter. This acts like a steady pension for senior citizens.

3. Government-Backed Safety

Since SCSS is a government scheme, your capital is 100% safe. Even if banks or private firms fail, your ₹1 Lakh or more investment remains fully secure.

4. Capital Protection

At the end of the maturity period (5 years, extendable to 8 years), your full deposit (say ₹1,00,000) is returned along with all the interest you earned during the years.

#2Post Office Monthly Income Account (POMIA)

By depositing ₹50,000 to ₹4,50,000, you can earn a fixed monthly interest. For example, a deposit of ₹1,00,000 could give you approximately ₹750–₹800 per month. Your principal is safe, and you enjoy a regular income without any hassle.

2. Monthly Income Scheme (MIS)

The Monthly Income Scheme allows you to deposit ₹1,500 to ₹4,50,000 and get monthly income directly into your account. For example, a ₹2,00,000 deposit can provide around ₹1,000 per month, making it ideal for pensioners or small investors.

3. Kisan Vikas Patra (KVP)

Invest ₹10,000 or more in KVP and watch it grow over the fixed tenure. While the maturity amount comes after a few years, it can be used to generate regular monthly income, roughly ₹500–₹1,000 per month, depending on your planning. This is great for farmers or small investors seeking safe returns.

4. Sukanya Samriddhi Yojana (SSY

Invest ₹1,000 to ₹1,50,000 annually in SSY for your daughter’s future. The scheme accrues interest and can be planned to provide monthly financial support later. For example, a cumulative investment of ₹2,00,000 can give a monthly benefit of ₹1,500–₹2,000, securing both savings and regular income.

1. Counter Office

Corporate FDs are issued directly by companies instead of banks. You have to invest through the company’s office or authorized partners, which often helps you get higher interest rates compared to bank deposits.

2Income Alone

This scheme is designed to provide a steady monthly income. For example, if you invest ₹5,00,000, at an 8–10% annual interest rate, you can earn around ₹3,500–₹4,200 every month.

Corporate FDs allow you to choose payout frequency—monthly, quarterly, or yearly. If you select the monthly option, the company credits a fixed amount to your account every month, ensuring regular income.

Compared to bank FDs, corporate FDs generally offer higher returns. However, they carry slightly more risk since repayment depends on the company’s financial health. Always choose AAA or high-rated companies for safer investments.How to Save Money as a Student: Beginner Guide in 2025

#4 Corporate Fixed Deposits

Corporate Fixed Deposits (FDs) are investment instruments issued by companies that can offer higher returns than bank FDs. Here is the information presented professionally with numbered points and financial figures:

1​Higher Returns: Corporate FDs

offer a 1% to 3% higher return compared to bank FDs. For example, a bank FD might offer a 6.5% return, while a corporate FD could yield 8.5%.fds

Monthly Income Option: Many corporate

FDs provide a monthly payout option. If you invest ₹5,00,000 at an annual return of 8.5%, you could receive a fixed mounthly income of approximately ₹3,542

3​Investment & Risk:

: It is essential to check a company’s credit rating before investing. Companies with high ratings like AAA or AA+ are considered the safest. However, they always carry slightly more risk than bank .fds.

Investment Amount & Term:

start investing in corporate FDs with amounts as low as ₹5,000 and can choose a term from 1 to 5 years as per your convenience.

Conclusion:

Corporate FDs are a good option for investors who seek returns higher than bank FDs and are willing to take on a moderate level of risk.easy money for busy students

#5Debt Mutual

Mutual Funds:Steady Income: Debt Mutual Funds aim to provide a steady income stream by investing in fixed-income securities like bonds. This makes them a great option for investors who are looking 1for a regular return without the volatility of the stock market.

2 Safety AND Risk

Safety and Risk: They are generally considered safer and less risky than equity (stock) funds. While they are not risk-free, they offer a good balance between safety and returns, making them a suitable choice for conservative investors.

3High Liquidity

Unlike fixed deposits that have a lock-in period, most Debt Mutual Funds offer high liquidity. This means you can easily withdraw your money at any time, often within 1-3 working days, without any penalty.Best Investment Options for Beginners in India (2025 Guide)

Pradhan Mantri Vaya Vandana Yojana (PMVVY)

The Pradhan Mantri Vaya Vandana Yojana (PMVVY) is a government-backed pension scheme specifically designed for senior citizens. It offers a guaranteed return and a steady stream of income to provide finence Security in their later years.

1Guaranteed Pension:

The scheme provides a guaranteed pension for 10 years. The interest rate is fixed at the time of investment, which ensures your income is not affected by market fluctuations. For instance, the current interest rate is approximately 7.4% p.a. (as of 2025).

2Investment Limits:

An individual can invest a maximum amount of ₹15 Lakh in this scheme. This can be investment made in a single lump sum or in multiple installments. The minimum investment amount required to get a pension of ₹1,000 per month is ₹1,56,658.

3 Flexible Pension Payouts:

You can choose to receive your pension monthly, quarterly, half-yearly, or yearly, depending on your needs. For example, if you invest ₹15 Lakh, you can receive a pension of approximately ₹9,250 every month for the entire 10-year period.

4Early Exit and Loan Facility:

The scheme also includes provisions for premature exit in special circumstances, like a critical illness. Additionally, you can avail of a loan against the policy after 3 years of investment. The maximum loan amount is 75% of the purchase price.

5 Return of Purchase Price:

At the end of the 10-year policy term, the original investment amount (purchase price) is returned to the investor. If the policyholder passes away during the term, the purchase price is paid to the nominee.

1. Creating a Regular Income

An SWP allows you to create a regular, fixed income from your existing mutual fund investment. This is often used by retirees or individuals who have a lump sum of money and need a steady cash flow.

2. Your Investment as the Source

The money you receive each month isn’t just interest. It is a combination of your initial investment and the returns it has generated. Essentially, you’re withdrawing a part of your own capital over a period of time.3. Potential for Continued Growth

3. Potential for Continued Growth

Even as you withdraw money, the remaining amount in the mutual fund stays invested. This means it continues to have the potential to grow, which can help your investment last longer and potentially even increase in value over time.

4. An Example with Numbers

For instance, if you have a ₹10 Lakh investment, you could set up an SWP to withdraw ₹5,000 per month. Over the course of a year, you would receive ₹60,000 in income while the remaining ₹9,40,000 continues to grow in the fund.

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