Best investment apps for mutual fund investors

Investing in mutual funds is considered one of the most practical ways to grow wealth over the long term. They offer diversification, professional management, flexibility with Systematic Investment Plans (SIPs), liquidity, tax-saving opportunities, transparency, and the potential for long-term wealth creation. These advantages make mutual funds suitable for both beginners and experienced investors.

But to enjoy all these benefits and keep your mutual fund journey affordable, informed, and hassle-free, you need a dependable investment app. Wondering which apps can actually make this possible for you? Take a look at the options you can consider.

4 best investment apps for mutual fund investors 

1. MO Riise by Motilal Oswal: Offers several asset classes, curated collections of mutual fund schemes, SIPs starting at ₹500, expert-backed research, an informative FAQ section, video tutorials, UPI-based payments, 24/7 help, and much more. MO Riise is also backed by a SEBI-registered public entity and already used by 40+ lakh users.

2. ET Money: Helps with smart fund recommendations, paperless KYC, expert support, tax saving options, and integration of expense tracking with investments.

3. Paytm Money: Gives access to a large selection of funds, plans with low investment amounts, and a simple interface. 

4. Groww: Features thousands of schemes across various categories, simple SIP setup, quick payment systems, educational resources, and easy portfolio tracking for beginners.

Features that make these investment apps truly the best

The investment apps mentioned above simplify your mutual fund journey with useful features like:

Multiple asset classes

Every mutual fund app listed above lets you explore equities, debt funds, hybrid funds, tax-saving funds, and more. This range matters as it allows you to diversify to balance risk and growth. Instead of juggling multiple apps or services, you can manage your entire wealth strategy easily via one app.

Returns across multiple timeframes

These investment apps let you check mutual fund returns across:

• 1 month
• 3 months
• 6 months
• 1 year
• 3 years
• 5 years
• 10 years

This multi-period view helps you analyse both short-term volatility and long-term stability.  

Tools for smart investing

Built-in SIP and lump sum calculators give you clarity on how investments in mutual funds will grow over time. You can adjust contribution amounts, durations, and expected returns to see realistic return projections. These tools encourage disciplined and goal-oriented investing.

Curated collections of schemes

Most of these leading MF apps organise schemes into ready-made collections that match different investment goals. Some common categories are:

• High return funds: Show schemes with strong past performance.
• SIP with ₹500: Make structured investing accessible for beginners.
• Tax-saver funds: Help reduce taxable income under Section 80C.
• Highest rated funds: List funds with high ratings for performance.
• New Fund Offers (NFOs): Provide access to newly launched funds.
• International funds: Enable global diversification with international investment options.
• Wealth builder plans: Highlight funds designed for long-term growth.

These collections reduce guesswork and help you choose funds confidently, whether you are chasing growth, saving taxes, or planning for the long term.

Closing note

The above-mentioned investment apps excel because they address the actual requirements of mutual fund investors. They offer access to multiple asset classes, affordable SIP options, detailed return tracking, curated collections, and powerful calculators that make wealth planning easier. Clean design, robust research, high security, low fees, video tutorials, FAQ sections, and 24/7 help increase their value even more. 

Though every app has its strengths, they all share one common goal, i.e., to make mutual fund investing simpler, smarter, and more transparent. Your final decision should reflect what you value most, whether it is intuitive dashboards, broad AMC coverage, educational support, flexible SIP features, or strong research.

3 Secret Investment Hacks Every Beginner Must Know

Warrant Buffet once said, “Someone is sitting in shade today because someone planted a tree a long time ago.” From an investment perspective, it means that long-term investments can bring rewards not just for you but also for your family. Often, beginners are unsure of how to start their investment journey because they are unfamiliar with the financial markets. They might not even know that you can start investing in mutual funds with as little as ₹100 per month. The funds are managed by experienced fund managers, which means you don’t need to be familiar with the markets or monitor your investments constantly.

Want to know more about how to get the best out of your investments? Here are 3 hacks to help beginners.

1.    Plan & Invest Regularly

Did you believe you need money to make money? Not with Systematic Investment Plans (SIPs). All it requires is regularly investing over the long term. Long-term investments in mutual funds via the SIP route give good returns due to the power of compounding. Also, rupee cost averaging helps you make the most of your investments if you stay invested for the long term. Regular SIP investments also instil discipline and a good savings habit. So, start as early as you can and plan to increase your investment amount at regular intervals.

2.    Step up Investments Each Year

To maximise your returns from mutual fund SIPs, increase your investment by a certain percentage each year. When you receive a hike in your salary, plan you budget so that you can also raise your investment. Quite obviously, the more money you invest, the more returns you get. This can also help you counter the impact of inflation on your returns. To enjoy all the SIP benefits, increase your investment at a higher percentage than the inflation rate. For instance, if the inflation rate is 7.5%, your step-up percentage should be at least 10%.

3.    Never Keep All Your Eggs in One Basket

A mutual fund automatically diversifies your investment. This is because your funds are invested across multiple equities, debt instruments or a combination of the two. This way, you don’t need to worry about only investing in one instrument. When your portfolio is diversified, the underperformance of one asset is compensated for by the outperformance of other assets. This minimises the impact of market risk on your investments. With a Systematic Investment Plan, you don’t even need to worry about modifying your portfolio based on changes in market conditions. The fund manager takes care of this on your behalf.

Final Words

Beginners might get nervous while starting their journey of investment. Market risks can create certain doubts in your mind. The good news is that different funds have different risk-reward ratios. So, do your homework and choose the right investment instrument based on your risk appetite, financial goals and investment horizon.