Parag Parikh Conservative Hybrid Fund

Parag Parikh Conservative Hybrid Fund is an open-ended mutual fund offered by Parag Parikh Financial Advisory Service. It is a hybrid fund that invests in equities and debt instruments. Being a conservative hybrid fund, the scheme's allocation includes ~15% in domestic equities, comprising investing in large and mid-cap stocks for capital appreciation, and ~75% in debt securities and other low-risk instruments. The fund's low expense ratio implies that the associated costs will not cut into your final returns.

The fund primarily invests in FD-like instruments, with a small portion allocated to equities. The aim is to generate steady returns that slightly surpass the inflation rate, without incurring significant risk.

The fund invests primarily in debt and money market instruments, with a slight portion invested in domestic stocks for capital appreciation. While the debt instruments aim to generate steady, low-risk returns, the returns from the equities are subject to market risk. So, when investing in the Parag Parikh Conservative Hybrid Fund, make sure to evaluate your risk and return expectations. It is a good option when you seek a low-risk investment option with capital protection. It is a tax-efficient alternative to a bank's fixed deposit, along with a prospect for growth in your investment when you hold it for a reasonably long duration.

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