suitability matters
A mutual fund scheme should be considered in the context of your individual circumstances rather than selected only on the basis of past performance.
ARN - 75896
Date of Initial Registration: 06 August 2009
Validity of Registration: 05 August 2026
ARN - 75896
Date of Initial Registration: 10 January 2026
Validity of Registration: 18 August 2028
Different mutual fund schemes carry different levels and types of risk. The suitability of an investment depends on the investor's individual circumstances and not merely on historical performance.
Before considering an investment, investors should consider their investment objective, risk appetite, risk capacity, investment horizon, liquidity requirements and financial circumstances.
A mutual fund scheme should be considered in the context of your individual circumstances rather than selected only on the basis of past performance.
Investors should consider their overall financial circumstances and investment requirements before considering a mutual fund scheme.
Consider the purpose of your investment and whether the investment objective of the selected scheme is relevant to your needs.
Consider how much investment risk you are willing to accept and how comfortable you are with fluctuations in investment value.
Consider your financial ability to withstand fluctuations or declines in the value of your investment.
Consider the period for which you can remain invested and whether it is appropriate for the characteristics of the scheme.
Consider your need for access to your money before making an investment decision.
Your overall financial circumstances should be considered when evaluating whether an investment is appropriate.
Consider your existing investments when evaluating a new mutual fund investment.
Consider how the proposed investment fits within your overall asset allocation.
Equity-oriented categories such as Small Cap Funds, Mid Cap Funds and certain Sectoral/Thematic Funds may experience substantial volatility.
Investors should be financially capable of withstanding significant fluctuations in the value of their investments.
Small Cap Funds can experience significant volatility and may underperform other equity categories for extended periods.
Investors considering higher-risk categories should consider a sufficiently long investment horizon and their ability to tolerate temporary or prolonged declines in value.
Age is an important factor in assessing an investor's financial circumstances, risk capacity and investment horizon. However, age alone should not be treated as the sole determinant of suitability.
Senior investors should consider liquidity requirements, income sources, financial capacity and investment horizon before investing in higher-risk mutual fund categories.
Consider the need for access to funds before investing.
Consider available income sources and overall financial circumstances.
Consider the ability to withstand fluctuations in investment value.
Consider the period for which the investment can remain invested.
No mutual fund category should be considered suitable solely on the basis of past returns. Investors should consider their individual circumstances and the characteristics of the scheme before investing.
Consider your objectives, risk profile, investment horizon, liquidity requirements and financial circumstances.
Understand the investment objective and the different types and levels of risk associated with the scheme.
Review the relevant scheme information and make an informed investment decision based on your individual circumstances.
Investors should carefully read all scheme-related documents before making an investment decision.
Past performance is not indicative of future performance. The value of investments may rise or fall depending on market conditions and other factors.