SAINTWORDS 6 Steps To Select Mutual Funds

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6 STEPS TO SELECT THE

RIGHT MUTUAL FUND
Using Utpal KC’s Time-Risk Matrix

(This booklet is a part of the Crores Planners Course)

Disclaimer: Mutual Fund investment is subject to risks.

This booklet does not give any for sort of guarantee, Utpal KC
but a guidance.
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SAINTWORDS 6 Steps To Select Mutual Funds
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ABOUT
CRORES PLANNERS COURSE (CPC)
5 steps to achieve seemingly impossible nancial
goals without any prior nance knowledge

Everybody works hard to earn and wants to make the best out of their earnings. Unfortunately
90-98% people lose money particularly in equity investment and many more waste their hard-
earned money investing in inferior products, and they are not even aware of it.

People are intelligent, but they are busy in their daily jobs and businesses. Free knowledges are
neither always trustworthy, nor properly organised, nor give personalised answers.

Crores Planners Course (CPC) is a rst step towards the missing links.

CPC is a combination of 4 video sessions and one live session

conducted by renowned investment expert Utpal KC. In addition to
that there is also a live q&a session with Mr Utpal.

For details you can visit the webpage via the following link or scan
the QR code.
https://www.utpalkc.com/croresplanners

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SAINTWORDS 6 Steps To Select Mutual Funds
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2nd Edition
September 2022

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 SAINTWORDS 6 Steps To Select Mutual Funds
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BEFORE MOVING AHEAD

We invest in mutual funds for better returns.

Those who have proper knowledge about market

valuations, for them mutual fund selection strategy is
di erent.

Here we are discussing a strategy for the ones, who are

yet to learn about market valuations.

😎
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2 POINTS TO REMEMBER
before moving ahead

1. Aggressive mutual funds, which can give great returns

can also wipe out a great portion of your capital.

2. Conservative mutual funds, which give lower returns will

erode only smaller percentage of your capital when the
market goes down.

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SAINTWORDS 6 Steps To Select Mutual Funds
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STEP 1

DECIDE YOUR INVESTMENT GOAL

What is your purpose of investment?

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SAINTWORDS 6 Steps To Select Mutual Funds
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STEP 2

DECIDE INVESTMENT PERIOD

After how many years you need money for the purpose you
have decided in Step 1

More than 10 Less than 1

5 to 10 years 1 to 5 years
year year

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SAINTWORDS 6 Steps To Select Mutual Funds
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STEP 3

DECIDE YOUR RISK TOLERANCE FOR THE GOAL

Decide, for the purpose of your goal, how much percentage of
capital you are ready to lose in case the market goes down.
For some people some nancial goals
Capital should be
are sacrosanct, like kids education.
protected
They don’t want to take any risk for
such kind of goals.
Approximate 5%
loss is okay On the other hand, for some goals
people are ready to take higher risk.
Higher than 5%
For example, buying a luxury car.
loss is okay Even if they don’t achieve the goal
they are okay with a less expensive
I don’t care about
car.
loss
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SAINTWORDS 6 Steps To Select Mutual Funds
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CHOOSE THE APPROPRIATE MUTUAL FUND TYPE

UTPAL KC’S TIME-RISK MATRIX

STEP 4 Investment Period

More Than 10 Less than 1

5 to 10 Years 1 - 5 Year
Years Year
Risk Tolerance

Capital Long / Mid Mid / Short

Nifty Index Money Market
should be Duration Debt Duration Debt
Fund Fund
protected Fund Fund

Approximate Long / Mid Mid / Short

Large-cap Nifty Index
5% loss is Duration Debt Duration Debt
Fund Fund
okay Fund Fund

Higher than Long / Mid

Large-Cap / Nifty Index
5% loss is Mid-cap Fund Duration Debt
Mid-Cap Fund
okay Fund

Disclaimer: Mutual Fund investment is subject to risks. This

matrix is not a guarantee of any sort, but a guideline.
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 SAINTWORDS 6 Steps To Select Mutual Funds
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STEP 5

CHOOSE A 5-STAR RATED FUND

Once you decide the right mutual fund type from Step 4, you
choose one of the 5 star rated funds under that type. There are
di erent websites that rank mutual funds based on their return
and risks.

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SAINTWORDS 6 Steps To Select Mutual Funds
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STEP 6

HAVE MORE KNOWLEDGE

In sea high and low tides are

dangerous for common people.
And it is fun for the surfer. A
surfer knows how to play with
the waves.

Similarly market volatility is

opportunity to make higher
returns for the knowledgable
ones, while the majority loses
money.

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 SAINTWORDS
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In October 2018 Saintwords was founded by Utpal KC to

transform people and organisations through training,
coaching and consultancy.

The name, ‘Saintwords’, came from Assamese word

‘Xadhukatha’. In Assamese ‘xadhu’ means a sage or
saint and ‘katha' means words. Assamese 'xadhukatha'
actually means fables or stories.

Since 2018 we have transformed many lives and

businesses that include 20,000 plus paid trainees.

Google rating: 4.9

Utpal KC
Utpal KC is India’s rst Business Wealth Coach. He
has been into the eld of investment banking since
1997. He served the corporate in various capacities
at leadership positions from 1997 to 2016. Since
2016 he has been training people on leadership,
investment and management.

Utpal authored books on nance and was featured

regularly in national and international media.

https://saintwords.com https://utpalkc.com
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