Prime Funds

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A research-backed list of mutual funds to invest in - drawn up by looking at 700-1500 return periods, risk-return metrics, loss probabilities, fund strategies, markets & more. Updated every quarter.
Prime Funds

Prime Funds – why it’s unique

With Prime Funds, you can build a great portfolio that has the best mutual funds, with ease. Prime Funds has features that lets you combine the right funds to give you a portfolio that has no duplications.

Prime Funds uses comprehensive quantitative metrics to shortlist funds and applies various qualitative factors to gauge strategy, reliability and performance to pick the best mutual funds.

You don’t need to be a financial whiz to create and maintain a portfolio that works – you just need a few good, consistent, funds of different types. That’s what Prime Funds gives you.

Get the right portfolio mix

A portfolio needs a mix of different investment styles and strategies, so that when one underperforms there’s another to take up the slack. Each Prime Fund is different from the others in its set. Prime Funds features funds that are steady performers across market cycles. It could feature funds that are turning around – they could be recovering from a slump, they could have seen a fund manager change, they could be following a contrarian strategy. There are funds that could be new. So any fund you pick from the Prime Funds list will deliver for you in a different way. No duplications!

Categories that are easy to use

Forget the jargon of large-cap, large-and-mid cap, medium duration, short duration and all that. It’s easy to over-crowd your portfolio by trying to include every category there is. More, with the current category definitions, there are overlaps in fund categories. For Prime Funds, we look into the role each fund can play in your portfolio. We then bucket funds in categories that you can relate to, understand easily, and therefore use correctly. Each Prime Funds set pulls in funds from different SEBI defined categories. And each set contains a range of funds with different risk levels and strategy so you will always find the best mutual fund for you.

All you need to know is your risk and time-frame. In equity funds and hybrid funds, Prime Funds sets are classified based on risk level involved and investment style. Debt funds are classified on the minimum timeframe you should have. No rocket science, here!

Concise fund list

We drill down from the hundreds of funds to give you a concise fund list that makes it easy for you to choose. Prime Funds features only quality funds. We pick strategies that are clear, sustainable, and have the potential to deliver. When a fund’s strategy is understandable and clear, it provides comfort that it will continue to deliver across market cycles. An above-average performance with a steady strategy is preferable to a chart-topper with a muddled/high-churn portfolio.

We look consistency in returns. Flashy performers, or funds that do well in one cycle and not the other will simply wipe out gains and require you to start all over again. We pick steady performers which you can comfortably invest in. We look at consistency across different periods to ensure that we’re not being swayed by recent performance nor considering irrelevant very long-term performance. No confusion. Just a few, good funds.

Fund explanations

How will you know what strategy a fund follows? What is it about the fund that makes it a good one? How can you use it in your portfolio? Every Prime Fund comes with an explanation of its strategy, why we picked it, and how to combine it in a portfolio. We also do detailed reports on Prime Funds. You don’t need to do the homework. We explain it all to you.

Covering equity, debt, and hybrid

Prime Funds covers all opportunities there are, whether its equity, debt, hybrid, thematic, and even international. We don’t pick a fund from every category. We look for those that make worthy investments. We track funds closely to ensure that we snap up opportunities as and when they come in.

We track market scenarios, because in both debt and equity, how markets can play out can make some funds more or less attractive. For example, if we’re in a flat or upward rate cycle, we could include more accrual funds. On the equity side, we may bring in more value-based funds or more aggressive funds when those segments have the potential to trend higher. This allows you to capture specific opportunities as they come up, as big gains even over a short period can pep up your overall portfolio returns. You’re assured of the best, always.

Risk and return balanced

The inherent risk in a fund is important especially in debt funds. Most debt categories are silent on the level of credit risk a fund can take. This often results in a variety of risk levels within the same category. Where risk is involved, we look at all these factors, the timeframe involved, the ability of the AMC to manage risks, the size of the fund and much more. In equity, funds can have a high mid-cap or small-cap exposure while belonging to a completely different category. We look at returns a fund generates from the risk perspective too, to ensure that funds are not compromising on the risk front to drive returns.

Going beyond ratings

A fund’s rating does not tell you the whole story about a fund. One, going for only the 5-star funds won’t help you build a portfolio that combines different investment styles or market segments. Two, numbers and returns can mask actual risk involved in some categories, which come to light only when the risk materialises. You may additionally leave out up-and-coming funds. In Prime Funds, we go beyond what numbers show.

We blend exhaustive quantitative metrics and qualitative factors to come up with a list of the best mutual funds for Prime Funds. Prime Ratings, our exhaustive in-house fund rating system, serves as a strong base. And we don’t take just the 5-star funds in each category to decide the Prime Funds list. We then add qualitative factors to pick the best funds among the shortlisted funds. This includes looking at fund strategies, portfolios, fund manager changes, overlaps with index and with other funds, market conditions, potential, and so on. Blending quantitative and qualitative metrics, thus, gets us to a list of funds that have been good performers and can continue to be so.

Regular reviews

Prime Funds are updated every quarter. If there are changes, we keep you informed. We tell you what to do with your investments in the funds or when to go for the new funds we’ve added.

Overall, there are 4 layers of researched products we offer as far as mutual funds (which is just one of our offerings) go:

  • Prime Ratings – our in-house MF rating tool. This tells you where your funds stand vis-à-vis their peers.
  • MF review tool – explained earlier in this article.
  • Prime Funds – our list of recommended funds that ensures there is variety in fund strategy, the risks do not overweigh return potential and the funds are bucketed in terms of time frame in the case of debt. This list is derived after the first two steps above.
  • Prime Portfolios – our readymade portfolios built for a range of goals and timeframes that use mutual funds, ETFs, deposits and other schemes.

Subscribe today to benefit from our researched products and our  all-encompassing research and actionable insights.

Legal Disclaimer : Redwood Research (with brand name PrimeInvestor) is an independent research entity offering research services on personal finance products to customers. We are a SEBI registered Research Analyst (Registration: INH200007478). The content and reports generated by the entity does not constitute or is not intended to constitute an offer to buy or sell, or a solicitation to an offer to buy or sell financial products, units or securities. All content and information is provided on an ‘As Is’ basis by PrimeInvestor. Information herein is believed to be reliable but PrimeInvestor does not warrant its completeness or accuracy and expressly disclaims all warranties and conditions of any kind, whether express or implied. The services rendered by PrimeInvestor are on a best effort basis. PrimeInvestor does not assure or guarantee the user any minimum or fixed returns. PrimeInvestor or any of its officers, directors, partners, employees, agents, subsidiaries, affiliates or business associates will not liable for any losses, cost of damage incurred consequent upon relying on investment information, research opinions or advice or any other material/information whatsoever on the web site, reports, mails or notifications issued by PrimeInvestor or any other agency appointed/authorised by PrimeInvestor. Use of the above-said information is at the user’s own risk. The user must make his own investment decisions based on his specific investment objective and financial position and using such independent advisors as he believes necessary. All intellectual property rights emerging from this website, blog, and investment solutions are and shall remain with PrimeInvestor. All material made available is meant for the user’s personal use and such user shall not resell, copy, or redistribute the newsletter or any part of it, or use it for any commercial purpose. PrimeInvestor, or any of its officers, directors, employees, or subsidiaries have not received any compensation/ benefits whether monetary or in kind, from the AMC, company, government, bank or any other product manufacturer or third party, whose products are the subject of its research or investment information. The performance data quoted represents past performance and does not guarantee future results. Investing in financial products involves risk. Mutual Fund Investments are subject to market risk, read all scheme related documents carefully. As a condition to accessing PrimeInvestor’s content and website, you agree to our Terms and Conditions of Use, available here. This service is not directed for access or use by anyone in a country, especially, USA, Canada or the European Union countries, where such use or access is unlawful or which may subject Redwood Research or its affiliates to any registration or licensing requirement.

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Equity: Large Cap Funds | Mip Cap Funds | Large And Mid Cap Funds | Small Cap Mutual Funds | Contra Mutual Funds | Dividend Yield | Focused Mutual Funds | Find Top Index Funds | Best Sector Funds | Thematic Mutual Fund | Best Value Mutual Funds | Equity Linked Savings Scheme | Tax Saving Funds
Debt: Banking And PSU Funds | Corporate Bond Funds | Credit Risk Funds Mutual Funds | Dynamic Bond Funds | Floating Rate Funds | Gilt Mutual Funds India | Find Top Liquid Funds In India | Long term debt funds | Low Duration Funds Debt Funds | Medium Duration Debt Funds | Medium To Long Duration Funds | Money Market Debt Funds | Overnight Debt Funds | Short Duration Debt Funds | Ultra Short Term Debt Fund
Hybrid: Aggressive Hybrid Funds | Arbitrage Mutual Funds | Balanced Advantage Mutual Funds | Conservative Hybrid Funds | Dynamic Asset Allocation | Equity Saving Funds | Multi Asset Funds | Multi Asset Allocation

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