Mutual fund is a mechanism for pooling the resources by issuing units to the investors and investing funds in securities in accordance with objectives as disclosed in offer document.
Investments in securities are spread across a wide cross-section of industries and sectors and thus the risk is reduced. Diversification reduces the risk because all stocks may not move in the same direction in the same proportion at the same time. Mutual fund issues units to the investors in accordance with quantum of money invested by them. Investors of mutual funds are known as unitholders.
The profits or losses are shared by the investors in proportion to their investments. The mutual funds normally come out with a number of schemes with different investment objectives which are launched from time to time. A mutual fund is required to be registered with Securities and Exchange Board of India (SEBI) which regulates securities markets before it can collect funds from the public.

Different Types of Mutual Funds Based on Various Categories Types of Mutual Funds based on risk Very low Risk Funds. Very low Risk Funds, like Money Market Funds, primarily invest in low-risk securities, Low Risk Funds, Medium Risk Funds, High Risk Funds, Specialised Mutual Funds, Sector Funds, Index Funds, Funds of Funds, etc.

The performance of a particular scheme of a mutual fund is denoted by Net Asset Value (NAV).
Mutual funds invest the money collected from the investors in securities markets. In simple words, Net Asset Value is the market value of the securities held by the scheme. Since market value of securities changes every day, NAV of a scheme also varies on day to day basis.
The NAV per unit is the market value of securities of a scheme divided by the total number of units of the scheme on any particular date. For example, if the market value of securities of a mutual fund scheme is Rs 200 lakhs and the mutual fund has issued 10 lakhs units of Rs. 10 each to the investors, then the NAV per unit of the fund is Rs.20. NAV is required to be disclosed by the mutual funds on a regular basis - daily or weekly - depending on the type of scheme.

Systematic Investment Plan (SIP) is a disciplined approach to investing. It comes with various advantages, allowing investors to build wealth by regularly investing a predetermined sum at a set interval. The intervals could be weekly, monthly, or quarterly.

The stock market trades equity shares of various listed companies. In addition, the markets also trade other instruments like index futures, index options, stock futures, stock options, VIX futures etc. Both equity and derivative products are traded in stock markets.

The market risk is there is any type of equity trading and investing. You need to take extra care of online security. Here are a few pointers. For example, you must ensure your user name and passwords are kept safe and are also changed regularly. Avoid accessing your online trading account from cyber café or using a public wi-fi facility at malls / airports. These are not secure. Always use dedicated internet connection and ensure to log out of your session each time

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