With capital markets exponentially scaling record highs recently, retail investors have opportunities and dilemmas regarding deploying funds at current valuations. Carefully selected mutual fund instruments like Equity Linked Savings Schemes with tax arbitrage benefits. Hybrid schemes blending equity and fixed income or broad-based Index funds closely mirroring benchmarks can lend stability. These categories carry individual merits across risk parameters, returns potential, costs and tax efficiency that adapt to both bull run upside capture and downside protection needs of investors at a time when analysts perceive markets as over-heated. Evaluating them in present contexts can empower prudent decisions. Types of Funds to Consider 1. Equity Linked Savings Scheme (ELSS) Equity Linked
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