Investing is a marathon, not a sprint.
We often hear that your 30s are the crucial year of someone’s life, a decade marked by your completion of education, career advancement, relationships, friendships, and up-downs. It is often said that your 30s are termed “ GOLDEN YEARS”.
But amidst all the ups and downs, these years are considered a financial advancement year. Among other things, becoming financially stable emerges as a cornerstone for a secure future.
It’s the time to shift focus from spontaneous spending to strategic saving and investing.
Investment Options:
While options and time abound, we have a lot of options to invest in our 30s. Whether it be stocks, gold, bonds, fixed deposits, or mutual funds, choosing the best matters the most. However, given the potential for higher returns, diversification, and professional management, we have to choose options that provide us all.
That is why while real estate, stocks, and gold have their merits, mutual funds stand out as a versatile and efficient investment tool for those in their 30s. Mutual Funds offer diversification, professional management, and the potential for substantial returns.
Why Mutual Funds?
With a relatively long investment horizon, the power of compounding can work wonders. So, why mutual funds?
- Mutual funds pool money from multiple investors to invest in a variety of securities.
- Mutual funds come in various flavors, catering to different risk appetites and financial goals.
- The diversification of investments helps mitigate risk.
- Mutual funds are managed by experts who continually analyze the market and make investment decisions.
- With their potential for high returns, tax benefits in some cases, and easy liquidity, mutual funds can be a cornerstone of your investment portfolio.
Whether you are investing for an aggressive return or a moderate return, mutual funds have its all. With abundant choices and preferences , you can choose any mutual funds according to your goal.
Top Mutual Fund Of 2024:
| Fund Name | AUM (Rs cr) | Category |
| HDFC ELSS Tax saverSBI long Term Equity FundITI ELSS Tax Saver | 14,564.1223,888337.77 | ELSS |
| JM Flexi Cap FundBank Of India Flexi Cap Fund | 2,472991.78 | Flexi Cap Fund |
| HDFC Focused 30 FundMahindra Manulife Focused Fund | 11,945.941408.79 | Focused Fund |
| SBI Nifty 50 ETFUTI S&P BSE Sensex ETFICICI Prudential S&P BSE Sensex ETF | 41,018.841,80,683.091,10,153.338,983.42 | Index Fund/ ETFs |
| NIPPON India Large Cap FundICICI Prudential Bluechip FundJM Large Cap Fund | 26,92555,459192 | Large Cap Fund |
| ICICI Prudential Large & Mid Cap FundBandhan Core Equity FundQuant Large and Mid-Cap Fund | 13,4204,6812,955 | Large and mid-cap Fund |
| Motilal Oswal Midcap FundQuant Mid Cap FundITI Mid Cap Fund | 10,3787,953891.81 | Mid cap fund |
| ITI Multi Cap Fund | 1176.94 | Multi cap fund |
| Quant Small Cap FundBandhan Small Cap Fund | 21,2435,166 | Small Cap Fund |
| SBI Contra FundJM Value Fund | 30,520734 | Value/ contra fund |
Conclusion:
We have all heard that “ consistency is key” and while we are in our 30s we have to learn to be consistent. Invest in yourself, Your 30s is the perfect time to embark on this journey of wealth creation.
Start early, stay invested, and reap the rewards of financial independence and to gain that head start choosing the investment advisor can be the game changer. Investment advisors take care of your investment while you are busy hustling and bustling through your life.
Choose Divadhvik, your personal investment advisor. Divadhvik offers you the freedom of choice, helps you to choose the best mutual funds from the market, and will help you to secure your future.
