Paper Details

Saving and Investment both are important for any person in order to fulfil his future needs. Now-a-days Investors look in all avenues while investing their funds. Some investments are risky and some are not. Investors have wide range of investment options, but now people would mostly prefer mutual funds for its good returns and less risky nature. Mutual fund schemes are attractive tosmall investors. But many people are unaware about mutual funds tax, cess, and surcharges. Thus, unaware people purchase wrong mutual funds. In present study, this researcher has compared equity and debt funds in terms of tax criteria, capital gain. Comparison between ICICI Pru Blue-chip Fund (equity) with ICICI Pru Saving fund (debt) and also evaluated SIP and lumpsum investment option. For this research, Researcher has used secondary data for comparison. Researcher concludes that Equity Fund is better option to invest. Investors overcome the risk of huge tax in long term and how it is helps to reduce retail investors’ risk.

Mutual Fund, Equity Fund, Debt Fund