Before investing in a mutual fund scheme, investors should take the time to review the documents and information related to the scheme. These documents explain important details about the scheme, its features, investment approach, applicable risks, terms and other information that can help investors make an informed decision.
RingMoney advises investors to read the Scheme Information Document (SID), Key Information Memorandum (KIM), Statement of Additional Information (SAI), and other relevant documents before investing.
The Scheme Information Document (SID) provides detailed information about a particular mutual fund scheme. It helps investors understand what the scheme is designed to do and the terms under which the scheme operates.
Depending on the scheme, the SID may provide information about:
Investors should review the SID of the specific scheme they are considering rather than relying only on summaries, advertisements, return figures or other information displayed on a platform.
The Key Information Memorandum (KIM) provides key information about a mutual fund scheme in a concise format.
It is intended to help investors access important scheme information before investing. The KIM should be read carefully along with the applicable SID and other relevant scheme documents.
Investors should check the information relating to the scheme, its investment objective, risk factors, applicable charges, terms and other key features before making an investment decision.
The Statement of Additional Information (SAI) contains additional information relating to the mutual fund and other relevant matters.
The SAI may contain information about the mutual fund's structure, constitution, policies, service providers, investor-related matters and other general information.
The SAI should not be viewed separately from the applicable scheme documents. Investors should consider the SID, KIM and SAI together when reviewing a mutual fund investment.
A fund name or short description may not provide all the information you need before investing. The applicable scheme documents provide more detailed information that can help you understand the scheme beyond its headline features.
Before investing, you should review information such as:
This can help you understand what you are investing in rather than relying only on past performance, illustrations, rankings or brief product descriptions.
Investors should refer to the latest applicable version of the relevant scheme documents and any applicable updates or addenda before investing.
Information relating to a mutual fund scheme can change over time. Therefore, investors should check the current documents applicable to the scheme at the time of investing.
Where applicable, RingMoney may provide or direct investors to the relevant scheme-related documents through the platform or the applicable mutual fund/asset management company.
Investors should make sure that they are reviewing the documents applicable to the specific scheme and plan they intend to invest in.
Before proceeding with an investment, investors are advised to carefully read the:
Investors should understand the applicable terms, features and risks before making an investment decision.
The availability of information on the RingMoney platform does not replace the need to review the applicable scheme documents. Investors should refer to the relevant and current documents before investing and consider the information contained in those documents when making their investment decisions.
Investors are advised to read the Scheme Information Document (SID), Key Information Memorandum (KIM), Statement of Additional Information (SAI), and other relevant documents before investing.
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