Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct
Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Let's take an example, a mutual fund was priced (NAV) at Rs 100 one year back and fund gave 20% returns in last 1 year. Now for the growth option, today's mutual fund price (NAV) will be 120, so all profit/loss reflects in price of the fund. Whereas for the dividend option some amount out of Rs 20 profit may be given back to investor in form of dividend and today's NAV will be lower than 120.
these mutual funds invest in stocks and bonds. These funds have a lock in period of 5 years or till the retirement age(whichever is earlier)Click on the category name to view all funds »
The investment objective of the Scheme is to provide longterm capital appreciation/income by investing in a mix of equity and debt instruments to help investors meet their retirement goals.
Earn Fixed Returns with a PSU Bond Investment
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT 2034
✔️ Coupon: 8.54%
✔️ Rating: INDIA RATING AAA Stable, CRISIL AAA Stable
✔️ Tenor: 8y 2m (Maturity: 30/Jan/2034)
Senior Secured Bond | PSU Bond | High Return Bond | Listed
This PSU bond combines sovereign-grade security with consistent long-term returns, making it ideal for investors seeking stability and performance.
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Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.