Flexi Cap Mutual Fund
Flexi cap mutual funds are equity funds that have the flexibility to invest in Large, mid & small cap companies. This flexibility lets the fund manager decide where to invest based on which companies are doing well.
Best Flexi Cap Mutual Funds to Invest
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JM Flexicap Fund (Direct) Growth Option▲ 27.43%AUM ₹4531 Cr •
Expense 0.42%
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HDFC Flexi Cap Fund -Direct Plan - Growth Option▲ 23.15%AUM ₹66225 Cr •
Expense 0.77%
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Bank of India Flexi Cap Fund Direct Growth▲ 22.96%AUM ₹1918 Cr •
Expense 0.48%
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Quant Flexi Cap Fund Growth Option Direct Plan▲ 21.67%AUM ₹7912 Cr •
Expense 0.59%
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ICICI Prudential Flexicap Fund Direct Growth▲ 21.51%AUM ₹17761 Cr •
Expense 0.72%
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Motilal Oswal Flexicap Fund Direct Plan Growth▲ 20.38%AUM ₹12564 Cr •
Expense 0.86%
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Edelweiss Flexi Cap Fund Direct Growth▲ 19.79%AUM ₹2439 Cr •
Expense 0.45%
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Franklin India Flexi Cap Fund Direct Growth▲ 18.78%AUM ₹18252 Cr •
Expense 0.95%
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HSBC Flexi Cap Fund Growth Direct▲ 18.17%AUM ₹5078 Cr •
Expense 1.15%
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Nippon India Flexi Cap Fund Direct Growth▲ 17.33%AUM ₹8739 Cr •
Expense 0.45%
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Mahindra Manulife Flexi Cap Fund Direct Growth▲ 17.28%AUM ₹1520 Cr •
Expense 0.4%
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Parag Parikh Flexi Cap Direct Growth▲ 16.72%AUM ₹82441 Cr •
Expense 0.63%
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Shriram Flexi Cap Fund Direct Growth▲ 15.59%AUM ₹138 Cr •
Expense 0.7%
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Kotak Flexicap Fund Direct Growth▲ 15.41%AUM ₹53844 Cr •
Expense 0.59%
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LIC MF Flexi Cap Fund Direct Plan Growth Option▲ 15.4%AUM ₹1404 Cr •
Expense 1.38%
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DSP Flexi Cap Fund Direct Plan Growth▲ 15.38%AUM ₹12416 Cr •
Expense 0.71%
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Taurus Flexi Cap Fund - Direct Plan-Growth Option▲ 15.04%AUM ₹393 Cr •
Expense 2.6%
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Aditya Birla Sun Life Flexi Cap Fund Direct Plan Growth▲ 14.83%AUM ₹23905 Cr •
Expense 0.84%
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Union Flexi Cap Fund Direct Growth Option▲ 14.21%AUM ₹1664 Cr •
Expense 0.87%
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Navi Flexi Cap Fund Direct Growth▲ 14.08%AUM ₹281 Cr •
Expense 0.42%
Start SIP in Flexi Cap Mutual Funds for as low as Rs. 50
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What are Flexi Cap Mutual Funds?
Flexi Cap Mutual Funds are a type of investment fund where your money is put into a regulated pool and then used to buy shares in different kinds of companies: big ones, medium ones, and small ones. This mix helps lower the risk of your investment because if one type of company does badly, it doesn't affect your entire portfolio. These funds can move money around to different kinds of companies as the market changes, which helps maximize the chances of making money.
Benefits of Investing in Flexi Cap Funds
Diversification
These funds invest in large, mid and small companies. Money managers have the flexibility to tactically allocate across market cap.
Proven Performers
The companies in Flexi Cap Funds have a history of consistent performance, which can mean more reliable growth of your investment.
Spread Out Risk
By including Flexi Cap Funds, you diversify your risk across different companies and sectors, which can protect your portfolio from stock specific risk.
Limitations of Flexi Cap Mutual Funds
Dependence on Fund Manager's
The success of these funds hinges greatly on the fund manager's ability to select the most promising companies amidst a vast array of options. Their skill in navigating market trends directly impacts the fund's performance, making it crucial to entrust your investments to a competent manager.
Alignment with Investor Risk Preferences
There's a risk of divergence between the risk appetite and return expectations of investors and the fund manager's strategy. Different funds may pursue varying levels of risk, with some favoring aggressive approaches by investing in mid and small-cap companies, while others opt for safer options with larger caps. Selecting funds that match your risk tolerance is vital to avoid either excessive risk-taking or overly cautious investment strategies.
Importance of Fund Selection
Choosing the right funds is paramount to achieving your financial objectives while managing risk appropriately. Your selection should reflect your investment goals and comfort level with risk. Failing to align your choices with these factors could result in suboptimal returns or exposure to undue risk.
Frequently Asked Questions
Some of the best flexi cap mutual funds to invest in 2024 are
Yes, we have an option of Flexi SIP where we can pause and restart the SIP.
We also give an option to edit our SIP anytime. Follow the steps below to change the SIP amount.
Step 1: Go to the SIP section, under the mutual fund dashboard.
Step 2: Open SIP Summary Page and click on manage SIP
Step 3: A bottom sheet will appear, click on edit SIP.
Step 4: An invest page will open, here you can edit your amount.
Note : Maximum Mandate amount should cater the new updated SIP amount.
For Example, if you have started a SIP via UPI and you have created a mandate for Rs 10000. In this case if you edit your SIP amount to 15000, you will receive invalid input.
You can edit the amount between SIP minimum investment amount ( created by AMC ) to maximum mandate amount ( created by user )
Even though there are risks associated with flexi cap mutual funds driven by the market, it is lower compared to other types of mutual funds.
There are no strict constraints or rules associated with investing in flexi cap funds since they offer fund managers complete flexibility, hence the name. So it can be 100% small cap or 100% mid cap or all large cap. However, it must have a minimum of 65% of the total assets invested in equity.
There is no locking period in the case of flexi cap equity funds. However, if you withdraw your investments early, you may have to pay an exit load. This fee varies from one mutual fund to another.
Flexi cap mutual funds are ideal for investors with long-term goals. Hence, investors who are ready to hold their investments for a minimum of five to seven years are ideal for the scheme. It enables them to get their hands on the opportunities of small cap and mid cap stocks, mitigating the risks attached to them.
According to financial planners, flexi cap mutual funds can be a good starting point for beginners, since it provides them with the opportunity to invest across different companies, with low to moderate risks associated with their investments.
You can switch from one mutual fund to another within the same fund house by sending a switching request. However, investors must remember that there can be exit loads and other charges involved in the process. Hence, it is desirable to proceed after being aware of the entire process.
Even though the minimum investment amount required for flexi cap mutual funds varies from fund to fund, it can be as low as Rs. 500. Also, INDmoney does not charge any annual maintenance cost.
Key Differences Between Multi Cap and Flexi Cap Mutual Funds are:
On the basis of Equity Exposure:
Multi-Cap Funds require a minimum of 75% in Equities where is Flexi Cap requires a minimum of 65% in Equities
On the basis of Market Cap Allocation:
As per SEBI, Multi-Cap Funds are required to have a minimum 25% allocation of their portfolio in large-cap, mid-cap, and small-cap companies where as Flexi-Cap Funds are free to invest in any market cap because they have no mandate
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