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What Are Conservative Mutual Funds & Who Should Invest?

Conservative mutual funds invest primarily in debt securities and allocate a small share of the corpus in equities. This blog lists key features of low-risk conservative funds along with factors to consider before investing in them.
November 8, 2024
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Conservative mutual funds are debt funds that have a conservative approach to investments. Their portfolio is heavily skewed towards debt securities, with a small ratio of the funds invested in high-quality, low-risk equities.

In this blog, we list out key benefits of conservative mutual funds and important factors that investors should consider before choosing a conservative mutual fund.

Important: This blog is meant to educate readers and the information furnished here is not to be construed as investment advice from Cube Wealth. Moreover, the conservative mutual funds listed here are not to be confused with the “Conservative” equity funds category on the Cube Wealth app.

What Are Conservative Mutual Funds? 

Conservative mutual funds are balanced funds that offer returns at reduced risk. In these funds, the percentage of debt securities ranges between 75 and 90%. The remaining corpus is invested in low-risk equity securities that allow the fund to earn better returns.

The objective of debt securities is ensuring capital preservation and providing fixed interest income. Market-related instruments on the other hand, help to generate both fixed income and capital gains. Together, these investments are leveraged by the conservative mutual to offer potentially inflation-beating returns to investors.

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