Mutual funds to get best returns

I am 23 year old, and I want to invest in mutual funds till 35 years. Please guide me what are the best mutual schemes to get the best returns? I want to invest for the long term, say, 10 to 15 years. I am ready to take medium and high risk.

--Bikas Kumar Singh

It seems, you are new to mutual funds. If you don’t know much about mutual funds or investments, you should hire a reliable mutual fund advisor. New investors often need a lot of clarifications and reassurance during initial years. Only an advisor near you would be able to do that. Gain knowledge and experience before investing on your own. Don’t try to save on commissions and expose your money to unwanted risks.

You can invest in mutual funds to achieve your both short and long term goals. For short-term goals, you should invest in debt schemes and bank deposits. You can invest in equity mutual fund to achieve your long-term goals. However, you should always choose schemes based on your horizon and risk profile.


For example, if you want to grow your money over a long period without taking too much risk and volatility, you should invest in large cap mutual funds. These schemes invest in very large companies that are more stable. Here are our recommended large cap schemes: Best large cap funds.

If you can take some extra risk (or if you are a moderate investor), you may invest in flexi cap schemes. These schemes invest across market capitalisations and sectors/themes based on the view of the fund managers. Here are our recommended schemes: Best flexi cap schemes.

We would not recommend risky options like small cap schemes and sector schemes to new investors. These schemes are extremely risk and volatile and many new investors find it difficult to hold or continue with these schemes during tough market conditions.