Best Long Term Funds

One of the best ways to protect and secure your future is to invest and one of the smart ways to invest is over the long term. Best long-term funds are debit/debt funds that mainly invest in long-duration fixed-income securities. Long-term funds choose bonds with a usual maturity time period of above 7 years as per the SEBI instruction.

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Top Best Long Term Funds

Fund Name
Fund Size
NAV
5 Year
7 Year
10 Year
Best Long Term Funds Super Select Equity Fund
1,008 Cr
53.9 0.17%
11.29%
13.77%
16.23% Highest Returns
16.23% Highest Returns
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Best Long Term Funds Pure Equity
1,290 Cr
49.44 -0.03%
11.81%
16.17% Highest Returns
15.91%
15.91%
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Best Long Term Funds Pure Stock Fund
4,256 Cr
99.27 0.42%
10.6%
15.12%
15.5% Highest Returns
15.5% Highest Returns
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Best Long Term Funds Large Cap Equity Fund
1,910 Cr
46.98 -0.05%
15.3% Highest Returns
14.93%
15.11%
15.11%
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Best Long Term Funds Equity Growth Fund II
3,836 Cr
52.72 0.08%
11.61%
13.82%
14.59% Highest Returns
14.59% Highest Returns
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Best Long Term Funds Equity Top 250 Fund
444 Cr
40.02 -0.07%
9.25%
13.05%
14.56% Highest Returns
14.56% Highest Returns
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Best Long Term Funds Whole Life Aggressive Growth Fund
612 Cr
59.15 -0.15%
12.83%
13.74%
14.19% Highest Returns
14.19% Highest Returns
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Best Long Term Funds Equity Large Cap Fund
458 Cr
41.27 0.05%
9.55%
13.36%
13.7% Highest Returns
13.7% Highest Returns
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Best Long Term Funds Future Apex Fund
72 Cr
37.93 0.04%
12.52%
13.14%
13.34% Highest Returns
13.34% Highest Returns
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Best Long Term Funds Top 50 Fund
151 Cr
61.55 -0.08%
12.37%
14.06% Highest Returns
13.34%
13.34%
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Best Long Term Funds Enhancer Fund-II
694 Cr
40.87 0.07%
11.2%
12.63%
13.31% Highest Returns
13.31% Highest Returns
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Best Long Term Funds Equity Fund
39,856 Cr
142.72 0.25%
10.3%
16.08% Highest Returns
13.27%
13.27%
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Best Long Term Funds Blue Chip Fund
7,585 Cr
36.61 0.03%
11.52%
12.52%
13.27% Highest Returns
13.27% Highest Returns
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Best Long Term Funds Opportunity Fund
2,064 Cr
39.06 0.02%
10.49%
11.47%
13.16% Highest Returns
13.16% Highest Returns
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Best Long Term Funds Super 20
1,504 Cr
48.39 0.09%
12.81%
12.81%
13.12% Highest Returns
13.12% Highest Returns
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Best Long Term Funds Growth Super Fund
10,775 Cr
57.1 0.03%
11.89%
12.8%
13.01% Highest Returns
13.01% Highest Returns
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Best Long Term Funds Maximiser
2,337 Cr
47.83 0.06%
11.05%
12.5%
12.72% Highest Returns
12.72% Highest Returns
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Best Long Term Funds Flexi Cap
1,120 Cr
35.93 -0.03%
10.49%
11.46%
12.72% Highest Returns
12.72% Highest Returns
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Best Long Term Funds Bluechip Equity Fund
809 Cr
32.13 0.05%
12.45%
12.7% Highest Returns
12.69%
12.69%
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Best Long Term Funds Maximiser Fund V
49,507 Cr
37.71 0.02%
9.45%
12.6% Highest Returns
12.47%
12.47%
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Best Long Term Funds Magnifier
1,114 Cr
89.87 0.12%
10.13%
12.79% Highest Returns
12.3%
12.3%
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Best Long Term Funds Bluechip Fund
3,781 Cr
33.36 0.05%
10.49%
11.44%
12.27% Highest Returns
12.27% Highest Returns
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Best Long Term Funds Future Opportunity Fund
59 Cr
29.54 0.04%
11.08%
11.98% Highest Returns
11.82%
11.82%
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Best Long Term Funds Value & Momentum
610 Cr
31.92 -0.02%
4.76%
11.5% Highest Returns
11.26%
11.26%
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Best Long Term Funds Future Maximize Fund
86 Cr
38.99 0.04%
10.16%
11.17%
11.24% Highest Returns
11.24% Highest Returns
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Fund Name
Fund Size
NAV
5 Year
7 Year
10 Year
Best Long Term Funds Whole Life Mid Cap Equity Fund
9,101 Cr
88.22 -0.13%
12.99%
15.64%
19.59% Highest Returns
19.59% Highest Returns
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Best Long Term Funds Top 200 Fund
744 Cr
101.99 -0.17%
18.94% Highest Returns
18.3%
18.06%
18.06%
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Best Long Term Funds Multiplier
2,791 Cr
58.79 -0.18%
9.53%
14.7%
17.04% Highest Returns
17.04% Highest Returns
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Best Long Term Funds Virtue II
1,447 Cr
45.57 0.07%
14.59%
14.7%
16.18% Highest Returns
16.18% Highest Returns
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Best Long Term Funds High Growth Fund
1,889 Cr
58.95 -0.20%
15.22%
15.91% Highest Returns
15.86%
15.86%
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Best Long Term Funds Accelerator Mid-Cap Fund II
4,518 Cr
51.93 -0.14%
8.29%
13.69%
15.71% Highest Returns
15.71% Highest Returns
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Best Long Term Funds Opportunities Fund
29,318 Cr
47.54 -0.05%
10.07%
13.16%
15.07% Highest Returns
15.07% Highest Returns
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Best Long Term Funds Multi Cap Growth Fund
18,724 Cr
36.69 0.04%
6.73%
10.56%
12.17% Highest Returns
12.17% Highest Returns
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Fund Name
Fund Size
NAV
5 Year
7 Year
10 Year
Best Long Term Funds Balanced Fund
893 Cr
14.01 0.05%
-
-
13.44% Highest Returns
13.44% Highest Returns
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Best Long Term Funds Whole Life Stable Growth Fund
175 Cr
43.32 0.01%
10.7%
11.18%
11.58% Highest Returns
11.58% Highest Returns
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Best Long Term Funds Growth Plus Fund
520 Cr
26.61 0.03%
8.17%
10.17%
10.85% Highest Returns
10.85% Highest Returns
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Best Long Term Funds Save N Grow Money Fund
72 Cr
45.83 0.08%
8.68%
10.13%
10.84% Highest Returns
10.84% Highest Returns
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Best Long Term Funds Creator
518 Cr
77.96 0.12%
8.65%
11.57% Highest Returns
10.56%
10.56%
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Best Long Term Funds Multi Cap Balanced Fund
2,358 Cr
31.09 0.04%
6.68%
9.15%
10.41% Highest Returns
10.41% Highest Returns
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Best Long Term Funds Managed Fund
43 Cr
29.44 0.03%
7.36%
10.06%
10.26% Highest Returns
10.26% Highest Returns
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Best Long Term Funds Balancer II
604 Cr
29.2 0.02%
8.57%
9.36%
9.85% Highest Returns
9.85% Highest Returns
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Best Long Term Funds Stable Fund
21 Cr
25.01 0.01%
8.08%
9.11%
9.4% Highest Returns
9.4% Highest Returns
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Best Long Term Funds Balanced Plus Fund
2,224 Cr
24.98 0.03%
7.42%
8.6%
9.26% Highest Returns
9.26% Highest Returns
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Best Long Term Funds Balanced Fund-II
153 Cr
28.24 0.04%
7.38%
8.5%
9.05% Highest Returns
9.05% Highest Returns
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Best Long Term Funds Future Balance Fund
64 Cr
30.01 0.04%
7.29%
8.37%
8.75% Highest Returns
8.75% Highest Returns
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Best Long Term Funds Enhancer
6,184 Cr
84.81 0.12%
6.79%
10.39% Highest Returns
8.61%
8.61%
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Best Long Term Funds Cautious Asset Allocator Fund
59 Cr
28.4 0.06%
5.92%
7.85% Highest Returns
7.56%
7.56%
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Fund Name
Fund Size
NAV
5 Year
7 Year
10 Year
Best Long Term Funds Pure Fund
338 Cr
33.59 0.03%
9.02%
11.54%
14.19% Highest Returns
14.19% Highest Returns
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Best Long Term Funds Builder
260 Cr
73.99 0.16%
6.92%
9.69% Highest Returns
8.95%
8.95%
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Best Long Term Funds Whole Life Income Fund
776 Cr
32.59 0.07%
6.77%
7.75%
8.12% Highest Returns
8.12% Highest Returns
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Best Long Term Funds Protector
324 Cr
54.17 0.11%
6.12%
8.12% Highest Returns
7.83%
7.83%
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Best Long Term Funds Bond Fund
109 Cr
23.79 0.02%
6.3%
7.99% Highest Returns
7.83%
7.83%
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Best Long Term Funds Steady Money Fund
87 Cr
33.05 0.03%
5.92%
7.65%
7.73% Highest Returns
7.73% Highest Returns
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Best Long Term Funds Debt Fund
416 Cr
31.13 0.04%
6.73%
8.21% Highest Returns
7.71%
7.71%
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Best Long Term Funds Income Advantage
783 Cr
33.79 0.07%
6.53%
8.95% Highest Returns
7.68%
7.68%
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Best Long Term Funds Secure Fund
952 Cr
37.56 0.07%
5.66%
7.57%
7.65% Highest Returns
7.65% Highest Returns
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Best Long Term Funds Income Fund
10,224 Cr
26.4 0.02%
5.96%
7.78% Highest Returns
7.65%
7.65%
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Best Long Term Funds Dynamic Gilt Fund
202 Cr
38.44 0.11%
6.04%
7.2%
7.63% Highest Returns
7.63% Highest Returns
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Best Long Term Funds Dynamic Bond Fund
1,607 Cr
41.91 0.07%
6.12%
7.78% Highest Returns
7.59%
7.59%
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Best Long Term Funds Assure
293 Cr
38.43 0.02%
6.15%
8.16% Highest Returns
7.29%
7.29%
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Best Long Term Funds Whole Life Short-Term Fixed Income Fund
237 Cr
29.15 0.02%
5.8%
6.99% Highest Returns
6.99% Highest Returns
6.99% Highest Returns
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Best Long Term Funds Future Income Fund
97 Cr
30.36 0.05%
4.53%
8.07% Highest Returns
6.75%
6.75%
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Best Long Term Funds Dynamic Floating Rate Fund
21 Cr
32.38 0.00%
4.7%
6.41%
6.73% Highest Returns
6.73% Highest Returns
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Best Long Term Funds Protector II
794 Cr
24.29 0.04%
4.99%
7.14% Highest Returns
6.73%
6.73%
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Best Long Term Funds Preserver II
78 Cr
23.61 0.05%
5.46%
6.9% Highest Returns
6.67%
6.67%
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Best Long Term Funds Money Market Fund
3,450 Cr
23.7 0.00%
5.16%
6.89% Highest Returns
6.59%
6.59%
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Best Long Term Funds Liquid Plus
246 Cr
19.52 0.00%
5.15%
6.48% Highest Returns
6.44%
6.44%
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Best Long Term Funds Bond Fund-II
81 Cr
23.03 0.02%
3.54%
6.72% Highest Returns
6.21%
6.21%
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Best Long Term Funds Liquid Fund
70 Cr
67.7 0.00%
4.33%
6.67% Highest Returns
5.89%
5.89%
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Best Long Term Funds Safe Money Fund
67 Cr
21.26 0.00%
4%
5.82% Highest Returns
5.65%
5.65%
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Fund Name
Fund Size
NAV
5 Year
7 Year
10 Year
Best Long Term Funds Growth Fund
2,791 Cr
16.13 0.04%
-
-
19.57% Highest Returns
- Highest Returns
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Best Long Term Funds Midcap Fund
829 Cr
51.7 -0.24%
9.83%
13.64%
16.34% Highest Returns
16.34% Highest Returns
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Best Long Term Funds Growth Opportunities Plus Fund
647 Cr
49.6 0.00%
12.82%
14.8%
16.2% Highest Returns
16.2% Highest Returns
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Best Long Term Funds Grow Money Plus Fund
299 Cr
48 0.05%
12.97%
14.85%
15.56% Highest Returns
15.56% Highest Returns
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Best Long Term Funds Build India Fund
30 Cr
43.59 0.02%
12.1%
14.23%
15.31% Highest Returns
15.31% Highest Returns
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Best Long Term Funds Frontline Equity Fund
1,511 Cr
44.44 0.02%
12.25%
13.3%
14.58% Highest Returns
14.58% Highest Returns
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Best Long Term Funds Classic Opportunities Fund
9,444 Cr
46.45 0.01%
10.68%
12.65%
14.3% Highest Returns
14.3% Highest Returns
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Best Long Term Funds Accelerator Fund
190 Cr
32.67 0.03%
13.13% Highest Returns
12.99%
13.08%
13.08%
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Best Long Term Funds Equity Growth Fund
1,148 Cr
43.46 0.03%
9.98%
11.11%
11.71% Highest Returns
11.71% Highest Returns
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Best Long Term Funds Equity II Fund
2,866 Cr
30.31 0.04%
8.52%
10.21%
11.2% Highest Returns
11.2% Highest Returns
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Best Long Term Funds Aggressive Asset Allocator Fund
163 Cr
43.73 0.04%
10.43%
11.27% Highest Returns
10.6%
10.6%
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Best Long Term Funds Moderate Asset Allocator Fund
50 Cr
32.79 0.08%
7.3%
8.99% Highest Returns
8.48%
8.48%
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Read on to know more about the best long term funds in detail: 

Long Term Funds – A Brief Overview 

Long term funds are typically open-ended investment funds that mainly invest in corporate and government bonds with a longer outstanding maturity time period. They have good potential and the ability to offer high returns. The returns are generated from the capital appreciation and interest income from the securities in the portfolio. Though, these types of funds are very volatile in nature and come with a high amount of risks. 

The fund managers of a long term funds choose bonds with a tenure of above 7 years. This could provide a higher return when compared with medium-term funds in a decreasing rate of interest situation. These long term funds usually provide excellent dividends to an investor. If you are ready to take a high risk to receive better returns, then you can select such a fund. 

Investment in Long Term Funds 

Long term funds invest in a fusion of government and corporate bonds of a longer tenure. It could also capitalize on money market instruments. As discussed, long term funds are more volatile in comparison to short-tenure debt funds, which mainly focus on the coupon income. The interest income is increased by capital profits to provide a better return when compared to debt funds. When you opt for such long term funds, you will be required to thoroughly and actively review the funds’ performance from time to time. Let’s discuss about such funds in detail: 

  1. Who Should Invest in Long Term Funds? 

    • You should think through investing in long term funds if you are prepared to stand short-term volatility and also stay invested for a long time. It can offer you a good return in comparison to most of the debt funds because it capitalizes on bonds of a longer term. 

    • You can also invest in long term funds if you are ready to face the risk of unstable or fluctuating rates of interest for a good return. 

    • You may also consider investing in these funds for a period of 3 to 5 years as it may support you fulfill medium-tenure financial objectives

  2. Who issues Long Duration funds? 

    ACMs i.e., Asset Management companies or fund houses issue investment funds. All the ACMs are required to be approved by the (SEBI) Securities and Exchange Board of India. 

  3. When Should I invest in Long Term Funds? 

    This is quite circumstantial. If you want to invest directly in stocks, then in such cases you choose equity funds. Whereas in case, if you wish to lower your tax outlay of money compared to a recurring or fixed deposit with good returns, then you can select debt funds. 

    Before investing in any funds, you should be clear about your requirements so that you can make the right decision regarding investment funds. 

Taxability of Best Long Term Funds 

Long term funds are taxed in the same manner as debt funds or capitals. The short-tenure capital profits after an allotment time of less than 36 months are supplemented with your taxable income. This is taxed on the basis of your income tax slab. And, the long-term capital gains after the allotment time of 36 months or above, are taxed at the rate of 20 percent along with the indexation benefit. This benefit helps in inflating the buying charge of the long term bonds to modify for inflation. You might be required to pay taxes based on the slab of your income tax. And you may receive a tax-efficient income in comparison to bank FDs if you fall in the high-income tax slabs. 

Points to Consider Before Investing in Long Term Funds 

  • Investment goals: You may capitalize on long term funds only if you remain invested for a long time. It might help you fulfill medium-tenure financial objectives. 

  • Risk profile: The long term funds possess more risk than debt funds. These funds mainly invest in bonds of a longer term, which makes them susceptible to a rate of interest fluctuations. 

  • Time Period: You should always think of investing in long term funds with a time period of 3 to 5 years 

  • Better Returns: Long term funds also provide a good return amount as compared to medium-term funds. It capitalizes on bonds of a long outstanding maturity and possibly will produce more returns during reduced interest rate events. 

  • Expense ratio: Always consider checking out the expense ratio of the long term funds. More expense ratios may consume into the fund return. 

Benefits of Investing in Best Long Term Funds 

Following are the advantages of investing in the best long term funds: 

  • You may get a good return as compared to various debt funds 

  • It provides a higher return in comparison to Bank FDs. It also offers a higher tax-effective return for financiers in the higher slabs of income tax 

  • Investing in these types of funds is a smart option to fulfill medium duration goals 

  • You can also consider varying the portfolio with long term funds. It provides stability and security against the unpredictability of the stock industry. 

At Last!

A long term investment fund makes a lot of significance in your portfolio. It is important for long-duration wealth creation. When you plan for your life objectives such as retirement child’s education, marriage, buying a house, etc., long term plans help in fulfilling all these goals.

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