What is a mutual fund?
A mutual fund is an investment product that combines money from multiple investors to purchase a portfolio of assets such as stocks, bonds, or money market instruments. The fund is managed by professional portfolio managers who invest in line with the fund’s stated strategy and objectives.

How risky are mutual funds?
The level of risk depends on the securities held in the fund. Some funds are designed to generate income, others to preserve capital, and some aim for long-term growth. As a rule, funds that target higher potential returns also carry higher levels of risk.

Why invest in mutual funds?

• Diversification: Exposure to a range of securities instead of relying on a single investment.

• Professional management: Investment decisions are handled by experienced managers.

• Liquidity: Investors can buy or sell units relatively easily, though transaction costs may apply.

• Accessibility: Lower minimum investment amounts make it possible to gain exposure to global markets and asset classes.

Who should consider mutual funds?
They are suited to investors who want professional oversight, diversification, and convenient access to markets without the need to manage individual securities directly.