North India Statesman
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It was the time of our parents… they used to be rest assured by keeping the money in bank FD or post office. They felt that their money was safe and was also increasing slowly. But in today’s inflation, just saving does not work. We need ways where our money works for us and grows faster.
In such a situation, when it comes to trust, even today only one name comes to the lips of crores of Indians – LIC. But do you know that LIC provides not only insurance but also a great opportunity to grow your money through mutual funds?
Those who trusted certain schemes of LIC Mutual Fund 5 years ago, today their money has grown at an average rate of 12% to 16% per annum. This is not a magic of one or two days, but the sweet fruit of long-term trust and patience.
Why is LIC’s mutual fund trustworthy?
On hearing the name of LIC, a feeling of security comes to mind. LIC’s mutual funds also work on this trust. Your money is not directly invested in the stock market, rather it is handled by a team of experts. This team invests your money very thoughtfully, little by little, in big and good companies of the country. For this reason, despite market fluctuations, there is still hope of getting a good profit in the long run.
Come, let us know about those 3 types of schemes of LIC which gave good returns:
1. Little risk, more profit: ‘Express Train’ scheme
it you LIC Equity Fund You can call it a plan. In this, your money is invested directly in the shares of the country’s biggest and strongest companies (like Tata, Reliance). As these companies grow, your money also grows at the same pace.
- Who is it for?People who want to earn higher returns from FD by taking a little risk.
- 5 Years Performance:It averaged 14% to 16% per annumHas given excellent returns till now.
2. Follow the market: ‘Steady train running on tracks’
This LIC Index Fund As the plan is called. In this, your money is invested in the top 50 companies of the big market indices (like Nifty 50). It moves slowly and safely, along with the market.
- Who is it for?Those who do not want to use much brain and want to grow money by staying safe with the market.
- 5 Years Performance:This averageTAIN 12% to 14% per annumHas given good returns till now.
3. Not much risk, not much tension: ‘Safe family car’
This LIC Hybrid or Balanced Fund As the plan is called. In this, your money is divided into two parts – one part is invested in shares (for growth) and the other part in safe places like government bonds (for safety).
- Who is it for?Those who do not want too much volatility and prefer stable, safe returns.
- 5 Years Performance:It has given stable returns of 12% to 13% per annum on an average.
Let’s understand how this magic works with a small example:
| you planted | for how long | average annual return | Approximately how many did we meet after 5 years |
| ₹1,00,000 | 5 years | 14% | ₹1,92,000 |
(This is just an example, real returns depend on the market.)
Most important thing: Patience has sweet fruits
Investing in mutual funds is like planting a mango tree. If you sow seeds today, you have to be patient to get the fruits. Sometimes the market will go up, sometimes it will go down, but if you panic and uproot the plant in the middle (i.e. withdraw the money), then you will never get the sweet fruit. So, aim for the long term and give your money a chance to grow.
