{"id":914,"date":"2019-10-31T23:55:35","date_gmt":"2019-10-31T18:25:35","guid":{"rendered":"http:\/\/blog.budwisefunds.com\/?p=914"},"modified":"2020-12-07T16:59:28","modified_gmt":"2020-12-07T16:59:28","slug":"are-equity-mutual-funds-risky","status":"publish","type":"post","link":"https:\/\/budwisefunds.com\/blog\/are-equity-mutual-funds-risky\/","title":{"rendered":"Are equity mutual funds risky?"},"content":{"rendered":"\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">When we talk about mutual funds, there are two things which come simultaneously comes to our mind &#8211; Equity &amp; Risk. Risk is the inherent feature of the equity markets and is indispensable. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">Hence, one cannot separate risk from equity markets and the same is with the equity mutual funds also.<\/span><\/p>\r\n<p><strong><span style=\"font-size: 24px;\">Further Reading: <a href=\"https:\/\/whatismutualfund.in\/\" target=\"_blank\" rel=\"noopener noreferrer\">What is Mutual Fund<\/a><\/span><\/strong><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\"> We can define equity mutual funds as those funds which generally invest a minimum 65% of its assets into equity and equity-related instruments.<\/span><\/p>\r\n<h2><script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script> <ins class=\"adsbygoogle\" style=\"display: block; text-align: center;\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-6495755798120621\" data-ad-slot=\"6499025866\"><\/ins> <span style=\"font-size: 24px;\"><script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/span><\/h2>\r\n<h2><span style=\"font-size: 24px;\">KINDS OF RISK IN <span style=\"color: #000000;\">EQUITY MUTUAL FUNDS<\/span><\/span><\/h2>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">Equity mutual funds may suffer from various kinds of risk. These are given below:-<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\"><strong>VOLATILITY<\/strong><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">Equity as an asset class is the most volatile category. And the majority of the investment by an equity mutual fund is made in equity and equity-related instruments, thereby leading to fluctuations in the NAV of the mutual funds when the markets are volatile. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">In other words, if the value of the underlying security falls then NAV will also go down.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\"><strong>MARKET RISK<\/strong><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">The systematic risk or the market risk is critical to each and every equity mutual fund scheme. This risk is also known as non-diversifiable risk.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\"><strong>PERFORMANCE\/FUND MANAGER RISK\u00a0<\/strong><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">The performance of the equity mutual fund may take a hit either. It is because of the underperformance of the markets at large or due to the incapability of the fund manager.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\"><strong>CONCENTRATION RISK\u00a0<\/strong><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">Equity funds may be exposed to risk if most of the assets are allocated towards a particular sector. Take for example most of the assets are allocated towards the financial sector. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">Now if the financial sector goes into doldrums then the fund with the highest exposure in this sector will be racked with pain.<\/span><\/p>\r\n<h2 class=\"entry-title\"><strong><span style=\"font-size: 24px;\">Also Read: <\/span><\/strong><a href=\"https:\/\/budwisefunds.com\/blog\/how-to-select-best-mutual-fund-scheme\/\" rel=\"bookmark\">Best Mutual Fund : How to select best mutual fund scheme?<\/a><\/h2>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\"><strong>ECONOMIC RISK\u00a0<\/strong><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">Another risk which is not directly related to any scheme and is not within the control of any fund manager is an economic risk. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">If the economy is going through tough times then equity markets do not perform in that scenario and thus all equity schemes suffer.<\/span><\/p>\r\n<h2 style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\"><strong>TYPES OF EQUITY MUTUAL FUNDS AND THEIR UNDERLYING RISK<\/strong><\/span><\/h2>\r\n<h3 style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\"><strong><em>Large Cap Schemes<\/em><\/strong><\/span><\/h3>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">These schemes are relatively safer than other equity schemes as these invest 80% of its assets in bluechip companies. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">The investment in blue-chip companies protects downside risk and hence, these schemes can be a good choice if your time horizon is around 5 years.<\/span><\/p>\r\n<h3 style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\"><strong><em>Multi-Cap Schemes<\/em><\/strong><\/span><\/h3>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">These schemes invest 65% of its assets across companies with different market-caps and are riskier than pure large-cap schemes as these schemes also take exposure in small and midcap companies.<\/span><\/p>\r\n<h3 style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\"><strong><em>Mid Cap Schemes<\/em><\/strong><\/span><\/h3>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">These schemes invest 65% of its assets in mid-cap companies. And are more volatile than blue-chip companies and are generally moving on the growth trajectory. These schemes are suitable if you have a time horizon of at least 7-10 years.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\"><strong><em>Small-Cap Schemes <\/em><\/strong><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">These schemes are the riskiest than the above three as these schemes invest 65% of its assets in small-cap companies which are very volatile in nature. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">If you want to invest in small-cap schemes then you should have a time horizon of at least 10 years.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\"><strong><em>Sectoral Funds<\/em><\/strong><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">These funds suffer from all the risks including the concentration risk as these schemes direct its assets only towards a particular sector. And it can be very risky if the sector is not performing well.<\/span><\/p>\r\n<p><strong><span style=\"font-size: 24px;\">Further Reading: <a href=\"https:\/\/www.mutualfundssahihai.com\/en\/diversify-risk-potential-rewards\" target=\"_blank\" rel=\"noopener noreferrer\">Mutual Fund Sahi Hai<\/a><\/span><\/strong><\/p>\r\n<h3 style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\"><strong><em>CAN YOU LOSE ALL YOUR MONEY IN A MUTUAL FUND?<\/em><\/strong><\/span><\/h3>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">We cannot ignore the fact that mutual funds are risky in nature and by risk, we mean losing invested capital. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">However, there is very little or no chances that you will end up losing all your capital if you have invested through mutual funds.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\"> This could be a case if you invest directly in equity shares but with mutual funds, the probability is very low.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">The subscription for investments in mutual funds schemes is always open. Therefore it gives an opportunity to fund manager to buy stocks at every price level. <\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">So, for a limited amount of investment, you can be a part of a big universe of mutual fund scheme. Wherein, every day some of the other investors from across all parts of India and abroad is investing their hard-earned money, which is giving the power to the fund manager to deploy the amount in the share market every day.<\/span><\/p>\r\n<p><script async=\"\" src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script> <ins class=\"adsbygoogle\" style=\"display: block; text-align: center;\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-6495755798120621\" data-ad-slot=\"6499025866\"><\/ins> <script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\"><strong>CONCLUSION<\/strong><\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\">So, if you have a long investment horizon, then you can definitely take exposure in equity mutual funds.<\/span><\/p>\r\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 20px;\"> As these are the only asset classes which can bless you with all the needs in terms of liquidity, inflation-adjusted higher returns. And can help you in achieving your financial goals.<\/span><\/p>\r\n<p><strong><span style=\"font-size: 24px;\">Further Reading: <a href=\"https:\/\/www.miraeassetmf.co.in\/knowledge-center\/equity-vs-debt-funds\" target=\"_blank\" rel=\"noopener noreferrer\">Miraeassetmf<\/a><\/span><\/strong><\/p>\r\n<p><img loading=\"lazy\" id=\"aemfr\" class=\"size-medium wp-image-562 aligncenter\" src=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-300x88.png\" alt=\"\" width=\"300\" height=\"88\" srcset=\"https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-300x88.png 300w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-1024x299.png 1024w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-768x224.png 768w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-1536x449.png 1536w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-2048x598.png 2048w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-1200x350.png 1200w, https:\/\/budwisefunds.com\/blog\/wp-content\/uploads\/2019\/08\/download-pdf-button-1-1980x578.png 1980w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>When we talk about mutual funds, there are two things which come simultaneously comes to our mind &#8211; Equity &amp; Risk. Risk is the inherent feature of the equity markets&hellip; <\/p>\n","protected":false},"author":1,"featured_media":916,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Are equity mutual funds risky? | Budwise Funds Blog<\/title>\n<meta name=\"description\" content=\"When we talk about mutual funds, there are two things which come simultaneously comes to our mind - Equity &amp; Risk. 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