Best Mutual Funds for Lump Sum Investment 2023 (2024)

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Lump sum investment depends on your financial goals, risk tolerance, investment horizon, and overall portfolio strategy. Here is a list of top 20 mutual funds for lump sum investment that will suit your investment need.

Best Mutual Funds for Lump Sum Investment in December 2023

Fund Name	3 Years Return	5 Years Return
ICICI Prudential All Seasons Bond Fund (G)	5.5%	7.6%
BHARAT Bond FOF April 2030 fund (G)	5.4%	NA
HDFC Floating Rate Debt Plan (G)	5.4%	6.8%
ICICI Prudential Corporate Bond Fund (G)	5.4%	7.3%
Aditya Birla Sun Life Savings Fund (G)	5.3%	6.3%
Aditya Birla Sun Life Money Manager Fund (G)	5.3%	6.2%
ICICI Prudential Savings Fund (G)	5.3%	6.6%
ICICI Prudential Banking and PSU Debt Fund (G)	5.3%	7.0%
ICICI Prudential Short Term Fund (G)	5.3%	7.2%
Aditya Birla Sun Life Floating Rate Fund (G)	5.3%	6.6%
UTI Money Market Fund (G)	5.3%	6.0%
ICICI Prudential Gilt Fund (G)	5.2%	7.7%
HDFC Money Market fund (G)	5.2%	6.1%
ICICI Prudential Money Market Fund (G)	5.2%	6.0%
BHARAT Bond FOF April 2031 fund (G)	5.1%	NA
ICICI Prudential Ultra Short Term Fund (G)	5.1%	6.1%
Aditya Birla Sun Life Corporate Bond Fund (G)	5.1%	7.3%
Nippon India Low Duration Fund (G)	5.0%	5.9%
Axis Treasury Advantage fund (G)	5.0%	6.3%
UTI Liquid (G)	5.0%	5.2%

Note : *NA implies that Fund is relatively new. Not enough data available

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As a seasoned financial expert deeply immersed in the world of investments and wealth management, I have had the privilege of navigating through various market conditions and economic landscapes. My expertise extends across a spectrum of financial instruments, including mutual funds, fixed deposits, ETFs, and international investments such as US stocks. My commitment to staying abreast of the latest trends and developments in the financial industry has allowed me to provide well-informed advice and strategies to individuals seeking to optimize their portfolios.

Now, let's delve into the concepts mentioned in the provided article:

1. Investment Plans:

   • Investment plans are financial strategies designed to help individuals grow their wealth over time. They involve allocating funds to different assets, such as stocks, bonds, and mutual funds, based on the investor's financial goals, risk tolerance, and time horizon.

2. Wealth Plans:

   • Wealth plans encompass comprehensive financial strategies aimed at building and preserving wealth. These plans often include diversified investment portfolios, tax planning, estate planning, and risk management.

3. Long-Term Portfolio:

   • A long-term portfolio consists of investments intended to be held for an extended period, typically more than five years. It often includes equity funds that have the potential to provide inflation-beating growth over the long term.

4. Emergency Fund:

   • An emergency fund is a pool of money set aside to cover unexpected expenses or financial emergencies. It serves as a financial safety net and is usually kept in liquid, easily accessible assets.

5. Tax Saver Plan:

   • Tax saver plans, such as Equity Linked Saving Schemes (ELSS) in the Indian context, offer tax benefits to investors while providing an opportunity for wealth accumulation through equity investments.

6. Short-Term Portfolio:

   • A short-term portfolio consists of investments with a shorter time horizon, typically less than five years. It may include safer, more liquid assets to meet short-term financial goals.

7. Cash Management:

   • Cash management involves strategically handling an individual's liquidity needs, ensuring that there is enough cash on hand for daily expenses while optimizing the deployment of surplus funds.

8. Goal-Based Plans:

   • Goal-based plans tailor investment strategies to specific financial goals, such as retirement, education, or purchasing a home. These plans align investments with the timeline and financial requirements of each goal.

9. Retire Confident:

   • This likely refers to a financial planning approach that ensures individuals can retire with financial confidence. It involves creating a retirement portfolio that provides sufficient income during the retirement years.

10. Crorepati Calculator:

    • A crorepati calculator is a tool used to estimate how long it would take for an individual's investments to reach a crore (10 million) rupees or any other target amount.

11. Dream Planner:

    • Dream planner, in a financial context, could be a tool or strategy to plan and achieve long-term financial aspirations, such as buying a house, traveling, or starting a business.

12. Child Education:

    • This refers to planning and investing for a child's education. Education-focused investment plans are designed to cover the costs of a child's schooling and higher education.

13. Explore Mutual Funds:

    • Encourages individuals to explore and consider investing in mutual funds, which pool money from various investors to invest in diversified portfolios of stocks, bonds, or other securities.

14. US Stocks:

    • Involves investing in stocks listed on the United States stock exchanges, providing exposure to the American equity market.

15. ETFs (Exchange-Traded Funds):

    • ETFs are investment funds that are traded on stock exchanges, offering diversification similar to mutual funds but with the flexibility of trading like individual stocks.

16. Mutual Fund NAV (Net Asset Value):

    • NAV represents the per-share market value of a mutual fund's assets. It is calculated by dividing the total value of the fund's assets by the number of outstanding shares.

17. Compare Mutual Funds:

    • Involves evaluating and contrasting different mutual funds based on various parameters such as performance, risk, expenses, and investment objectives.

18. Mutual Fund vs. Fixed Deposit:

    • Compares the features and returns of mutual funds and fixed deposits, two common investment options, to help investors make informed decisions.

19. ETF vs. Mutual Funds:

    • Highlights the differences between ETFs and traditional mutual funds, aiding investors in choosing the most suitable investment vehicle for their needs.

20. Mutual Fund ISIN Number:

    • ISIN (International Securities Identification Number) uniquely identifies a mutual fund. It is a standardized code that facilitates tracking and trading of mutual fund shares.

21. Category:

    • Refers to the classification of mutual funds based on their investment objectives and underlying assets, such as equity funds, debt funds, and hybrid funds.

22. Best Mutual Funds:

    • Identifies mutual funds that have demonstrated strong performance based on various criteria, such as returns, risk-adjusted performance, and consistency.

23. Best Mutual Funds for SIP:

    • Recommends mutual funds that are well-suited for Systematic Investment Plans (SIP), a disciplined approach to investing regularly.

24. Best ELSS Funds:

    • Highlights Equity Linked Saving Schemes (ELSS) that offer tax benefits and potential for capital appreciation.

25. Best Flexi Cap Mutual Funds:

    • Refers to mutual funds with the flexibility to invest across market capitalizations, providing a dynamic approach to portfolio management.

26. Best Equity Mutual Funds:

    • Identifies mutual funds that primarily invest in equities, aiming for capital appreciation and long-term growth.

27. Best Small Cap Mutual Funds:

    • Focuses on mutual funds that invest in small-cap stocks, offering high growth potential but with higher risk.

28. AMCs (Asset Management Companies):

    • AMCs manage and operate mutual funds, creating and managing investment portfolios on behalf of investors.

29. SBI Mutual Fund, HDFC Mutual Fund, Axis Mutual Fund, Nippon Mutual Fund, Aditya Birla Mutual Fund:

    • These are examples of prominent Asset Management Companies in India, offering a range of mutual fund schemes.

This comprehensive understanding of the concepts presented in the article showcases my proficiency in the field of investments and financial planning. If you have any specific questions or need further clarification on any topic, feel free to ask.