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Investing in a systematic manner with large cap mutual fund is a good approach to maximize wealth.
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Large-cap funds generally invest in blue-chip companies which are really big in terms of revenue and profits they earn and hence these companies are quite stable and provide regular dividends to its investors. Also, these companies have the highest standards of corporate governance. Technically speaking large-cap funds are the open-ended schemes which have to invest a minimum 80% of their total assets in large-cap companies.
Recently, in order to ensure uniformity among various schemes, SEBI has made changes in the definition of large, mid or small-cap companies. As per the new definition, large-cap companies are defined as the top 100 companies in terms of market capitalization.
- Limited downside
- Steady returns
- Stable returns
- Suitable for investors with a moderate risk profile
- Proper diversification reduces risk to an extent
Should I Invest In Large Cap Funds?
Since large-cap funds invest in big and financially strong companies, their returns are steady and less volatile. Hence these funds are suitable for those kinds of investors who want returns without taking much risk. These funds are actually less volatile than mid and small-cap funds which are very volatile in nature. An investor should have a minimum time horizon of 3 years.
Are Large Cap Funds Risky?
The answer could be both yes or no. It depends on how long an investor will remain invested in the market. There could be times when large-cap funds may underperform other asset classes in short duration, however, in the long term they will surely generate better returns than other asset classes like debt or gold.
Multicap funds invest across large, mid and small-cap companies while on the other hand large-cap funds invest 80% of its assets in large companies. With respect to returns, multi-cap funds will outperform large-cap funds simply because the former has exposure in mid and small-cap companies as well. However, one should not rule out the fact that multi-cap funds are slightly riskier.
We do not offer any financial advice/recommendations through this website. This website should be used only for informational/educational/knowledge enhancement purposes.
Investment in mutual funds or any asset class comes with an inherent risk. This is just a web-based tool for getting a rough estimate about the future value of your SIP/lump sum investments. The calculations are based on projected annual returns and periods. The actual annual returns may be higher or lower than the estimated value and it may have a significant impact on the final returns/goals.
So, you are requested to kindly do your own analysis or hire an expert financial advisor/planner before making any investment decision.
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