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Wealth Builder Mutual Funds

All Funds Best Performers Tax Savers Wealth Builder High Risk / Returns

List of All Wealth Builder Funds

Scheme Name
Min. Invest AUM (In Cr)
LIC MF Multi Cap Fund - Direct (G)
LIC MF Multi Cap Fund - Direct (G)

Multi Cap Fund | Equity

 26.98% ₹5,000 ₹1,465.07 Invest
AXIS Multicap Fund - Direct (G)
AXIS Multicap Fund - Direct (G)

Multi Cap Fund | Equity

 26.64% ₹100 ₹7,034.33 Invest
Baroda BNP Paribas Multi Cap Fund-Dir (G)
Baroda BNP Paribas Multi Cap Fund-Dir (G)

Multi Cap Fund | Equity

 24.66% ₹5,000 ₹2,849.74 Invest
WhiteOak Capital Multi Cap Fund - Direct (G)
WhiteOak Capital Multi Cap Fund - Direct (G)

Multi Cap Fund | Equity

 23.48% ₹500 ₹1,493.49 Invest
SBI Multicap Fund - Direct (G)
SBI Multicap Fund - Direct (G)

Multi Cap Fund | Equity

 23.07% ₹5,000 ₹19,158.09 Invest
Invesco India Multicap Fund - Direct (G)
Invesco India Multicap Fund - Direct (G)

Multi Cap Fund | Equity

 22.85% ₹1,000 ₹3,983.10 Invest
Edelweiss Multi Cap Fund - Direct (G)
Edelweiss Multi Cap Fund - Direct (G)

Multi Cap Fund | Equity

 22.18% ₹100 ₹2,628.28 Invest
HSBC Multi Cap Fund - Direct (G)
HSBC Multi Cap Fund - Direct (G)

Multi Cap Fund | Equity

 20.46% ₹5,000 ₹4,495.14 Invest
Nippon India Multi Cap Fund - Direct (G)
Nippon India Multi Cap Fund - Direct (G)

Multi Cap Fund | Equity

 19.88% ₹100 ₹39,385.20 Invest
Kotak Multicap Fund - Direct (G)
Kotak Multicap Fund - Direct (G)

Multi Cap Fund | Equity

 19.50% ₹100 ₹16,065.25 Invest
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List of All Wealth Builder Funds

LIC MF Multi Cap Fund - Direct (G)

LIC MF Multi Cap Fund - Direct (G)

Equity | Multi Cap Fund

1Y returns

26.98%

Min. Invest

₹5,000

AUM

₹1,465.07 Cr

AXIS Multicap Fund - Direct (G)

AXIS Multicap Fund - Direct (G)

Equity | Multi Cap Fund

1Y returns

26.64%

Min. Invest

₹100

AUM

₹7,034.33 Cr

Baroda BNP Paribas Multi Cap Fund-Dir (G)

Baroda BNP Paribas Multi Cap Fund-Dir (G)

Equity | Multi Cap Fund

1Y returns

24.66%

Min. Invest

₹5,000

AUM

₹2,849.74 Cr

WhiteOak Capital Multi Cap Fund - Direct (G)

WhiteOak Capital Multi Cap Fund - Direct (G)

Equity | Multi Cap Fund

1Y returns

23.48%

Min. Invest

₹500

AUM

₹1,493.49 Cr

SBI Multicap Fund - Direct (G)

SBI Multicap Fund - Direct (G)

Equity | Multi Cap Fund

1Y returns

23.07%

Min. Invest

₹5,000

AUM

₹19,158.09 Cr

Invesco India Multicap Fund - Direct (G)

Invesco India Multicap Fund - Direct (G)

Equity | Multi Cap Fund

1Y returns

22.85%

Min. Invest

₹1,000

AUM

₹3,983.10 Cr

Edelweiss Multi Cap Fund - Direct (G)

Edelweiss Multi Cap Fund - Direct (G)

Equity | Multi Cap Fund

1Y returns

22.18%

Min. Invest

₹100

AUM

₹2,628.28 Cr

HSBC Multi Cap Fund - Direct (G)

HSBC Multi Cap Fund - Direct (G)

Equity | Multi Cap Fund

1Y returns

20.46%

Min. Invest

₹5,000

AUM

₹4,495.14 Cr

Nippon India Multi Cap Fund - Direct (G)

Nippon India Multi Cap Fund - Direct (G)

Equity | Multi Cap Fund

1Y returns

19.88%

Min. Invest

₹100

AUM

₹39,385.20 Cr

Kotak Multicap Fund - Direct (G)

Kotak Multicap Fund - Direct (G)

Equity | Multi Cap Fund

1Y returns

19.50%

Min. Invest

₹100

AUM

₹16,065.25 Cr

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What are Wealth Builder Mutual Funds?

These mutual funds are investment tools designed to help investors build wealth over the long term. These funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities. The goal is to achieve higher returns compared to traditional savings accounts while also taking advantage of tax benefits from long term capital gains and dividends.

How do these Mutual Funds Work?

These funds work by pooling funds from multiple investors to create a varied portfolio managed by qualified fund managers. These managers make investment decisions on behalf of the investors, aiming to maximize returns while minimizing risks. The funds invest in a variety of asset classes, such as equities, bonds, and other securities, based on the fund’s investment strategy and the investor’s risk profile.

How to Choose the Best Wealth Builder Funds?

Choosing these funds requires careful consideration of several factors to ensure they align with your financial goals and risk tolerance. So, here are some key points to help you-

  • Assess Your Financial Goals and Investment Horizons:

Your financial goals and investment horizon are the cornerstones of your investment strategy. You need to define what you aim to achieve—whether it’s retirement planning, funding your child’s education, or purchasing a home. Your investment horizon is the duration you plan to stay invested, which will influence the type of fund you choose.

  • Evaluate Your Risk Tolerance:

Risk tolerance is the degree of variability in investment returns that you can withstand. It’s crucial to be honest about how much risk you are willing to take. If you prefer stability, consider funds with a mix of equities and fixed income securities.

  • Research Historical Performance:

Examine the past performance of the mutual fund over different time frames, such as one-year, three-year, and five-year periods.

  • Check the Expense Ratio:

The expense ratio is the annual fee charged by the fund for managing your investments. Lower expense ratios mean more of your returns stay with you.

  • Assess the Fund Manager’s Track Record:

The fund manager’s expertise can significantly impact the fund’s performance. So, you need to investigate the fund manager’s history and investment approach.

  • Diversification:

Diversification is the practice of spreading your investments across various asset classes and sectors to reduce risk. A well-diversified wealth builder fund will include a mix of equities, bonds, and possibly other asset classes.

  • Regularly Review and Rebalance:

After selecting a fund, it’s essential to track its performance and ensure it continues to align with your financial goals. Following these comprehensive steps will help you choose the right wealth builder fund. Your choice must be one that aligns with your financial objectives, risk tolerance, and investment horizon.

Who Should Invest in Wealth Builder Mutual Funds?

These funds are suitable for investors with a long-term investment horizon and a moderate to high risk tolerance. So, investors looking to build wealth for retirement, education, or other long-term financial goals can invest in them. Even investors in their 30s and 40s who have a stable income and can afford some risks can go for Wealth Builder Funds.
If you are planning to invest in these funds, you need to have a clear understanding of your financial objectives and risk appetite before investing.

Rules of Taxation for the Best Wealth Builder Mutual Funds

The taxation of these funds depends on the type of fund and the duration of the investment. For equity funds, long-term capital gains are held for more than one year and are tax-free, up to ₹1 lakh per financial year. Also, gains above this amount are taxed at 10%. Short-term capital gains are held for less than one year and are taxed at 15%. Debt funds are subject to a flat 20% tax on long-term capital gains, with indexation benefits available to reduce the tax liability. Dividends received from mutual funds are also subject to tax, typically at the individual’s income tax rate.

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Torus Financial Markets Private Limited

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