← Mutual Funds and SIP · Lesson 3 of 3
Risk and time horizon
Match the fund to the goal:
- Money needed within 1–3 years: safer options such as debt funds or deposits.
- Goals 5 years or more away: equity funds may suit, if you can handle ups and downs.
Stay invested through market falls, and review once a year. Never invest based on tips or promises of fixed high returns.
*Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance is not indicative of future returns.*
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⚖️ This content is for general education and awareness only. It is not a recommendation to buy any product. Please speak to us for guidance on your own situation. Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions, please read the sales brochure / policy wording carefully before concluding a sale. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance is not indicative of future returns. Tax benefits are as per prevailing tax laws, which are subject to change. We are insurance agents / mutual fund distributors. For mutual funds we offer guidance as a distributor and do not charge advisory fees. IRDAI / AMFI registration details to be added.