If you want to grow your money in 2025, mutual funds are the right choice. But there are so many mutual funds, how do you choose which mutual fund is good. I will guide you to the top 5 mutual funds to invest in 2025.
ICICI Prudential Infrastructure Fund(Invest in India’s growth)
As we know, infrastructure is the backbone of any economy, such as roads, bridges and power plants. This fund invests in companies that support our country’s infrastructure, such as Larsen & Toubro and NTPC. Which plays a vital role in our country’s growth. ICICI prudential infrastructure fund is the good choice for the period more than 5 years.
Risk level: High ( Infrastructure project depend on government policy, that why risk is high)
Best for the people who can invest for long term and don’t think market ups and down.
- Category: Equity – Infrastructure
- AUM: ₹7,213.94 Cr
- Expense Ratio: 1.89%
- Exit Load: 1% if redeemed within a year
- Risk Level: Very High
Motilal Oswal Midcap Fund
Mid-sized companies grow very fast and they become players in the business world very quickly. This fund invests in such companies in which you get to see higher returns, although there are some mid-cap stocks which are a bit risky too, hence there are fluctuations in it. This fund has given 20.44% return in the last year, and 33.95% in the last 3 years, and 39.92% in the last 5 years. it is the good investment opportunity.
Risk level: High ( It is good for long term investment )
It is best for people who want to invest for growing business.
- Category: Equity – Midcap
- AUM: ₹27,780.18 Cr
- Expense Ratio: 1.58%
- Exit Load: 1% if redeemed within 365 days
- Risk Level: Very High
SBI PSU FUND – Government companies
These companies focus on government businesses like banks and energy companies. These companies have full support of the government. That is why government companies are more stable than private companies. If you trust government companies, then this fund is the best for you. All these government companies have both advantages and disadvantages. If we talk about the advantages, if the government policy is good then the companies do very well. If we talk about the disadvantages, if the government policy is not good then there is a big impact on all these companies. so before investing think about and consult to your financial advisor.
Risk level: Medium to high depending upon government policy.
Best for the investor who is looking for a mix of stability and growth.
- Category: Equity – PSU
- AUM: ₹5,035.09 Cr
- Expense Ratio: 1.87%
- Exit Load: 0.5% if redeemed within 30 days
- Risk Level: Medium to High
HDFC Balanced Advantage Fund – It is the mix of safety & Growth
If you are concerned about whether you should invest in stocks or in safer options like bonds, then this fund is the best and does both. This fund also invests in equity and invests your money in bonds, giving you a balance between risk and stable return. This means that your money is safe even after a fall in the market.
Risk Level: Medium- Good for beginner and caution investor
Best for people who want stability with Growth
- Category: Hybrid – Balanced Advantage
- AUM: ₹97,461 Cr
- Expense Ratio: 1.37%
- Exit Load: 1% if redeemed within a year
- Risk Level: Medium
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Nippon India Power & Infra Fund-Energy for the Future
India is focusing most, on the expansion of clean energy and electricity, and this fund invests in companies working in all these areas. Along with the government advancing electricity reforms and green energy projects, this fund has a strong potential for long-term development
Risk Level: High ( Depends on energy sector developments )
Best for investor who believe India’s future in energy and infrastructure
- Category: Equity – Power & Infrastructure
- AUM: ₹7,026 Cr
- Expense Ratio: 0.96%
- Exit Load: 1% if redeemed within 1 month
- Risk Level: High
Conclusion
Choosing the right mutual fund depends on your financial goals, how much risk you can take and for how long you want to invest. There are some funds that grow very fast but the risk is very high while most funds are safe but give a little less return. Before selecting a fund, take advice from your financial advisor and also see how the market is trending, how much up and down, whether the market is at a lower level or an upper level or is it stable. It is also wise to spread your money in different types of investments to reduce the risk.
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