The NIFTY 50 has been revised by over 15%, while MID-CAP and Small-CAP mutual funds have fallen from 20% to 25%+. Since you don’t know the bottom of the stock market, this is the perfect time to invest a lump sum and start a SIP. I asked ChatGpt about the best mutual funds to invest in 2025 and listed five mutual fund schemes. Many readers have previously shown that ChatGpt does not provide such recommendations. Therefore, I recorded the video of the response as proof and included it at the end of the article. In this article, we will list it in According to ChatGptAI, the 5 Best Mutual Funds to Invest in 2025along with our views on performance metrics and these funds.
What was our exact question to chatgpt ai?
This is my question for AI.
“We list the best mutual funds to invest in India in the coming years through Lumsum or SIP in 2025 as AI based on the revision of India’s current stock market.”
We provide a general text that says, “Investing in Lumpsum during a market slump could be a strategic move,” and lists recommendations for the five mutual funds you will ultimately invest in in 2025.
5 Best Mutual Funds to Invest in 2025 (by Chat GPT)
Here’s the list.
#1 – Motilal Oswal Midcap Fund
#2 – Investco India Midcap Fund
#3 – HDFC Balance Advantage Fund
#4 – ICICI Prudential Infrastructure Fund
#5 – Quant Multi Asset Fund
I wrote a similar article last year. Chatgpt recommended best mutual funds of 2024 This recommended 12 mutual fund schemes. However, this time it was trimmed into five funds. All five mutual funds are unique compared to their 2024 recommendations.
Does ChatGpt list have a mutual fund category?
CHATGPT does not recommend mutual funds from the large or flexible cap category. Investors can consider adding some of the mutual funds from these categories.
Please see the article Best mutual funds for temporary investments in 2025 For more information.
Top Mutual Funds according to Chat GPT to Invest in 2025 – Performance and Key Metrics
Let’s dive into more information about these mutual funds and our views on them.
#1 – Motilal Oswal Midcap Fund
Investment objective:
The Motilal Oswal Midcap Fund aims to achieve long-term capital gains, primarily by investing in intermediate companies with strong business models and management.
Performance details
Absolute Fund Returns
- 1 year return: 19.3%
- 2-year returns: 81.7%
- 3 years return: 114.2%
- 5-year return: 278%
- 10-year returns: 402.6% (1 lak would have changed to 5.02 lak)
Annual revenue from the fund
- 1 year return: 19.3%
- 2-year annual revenue: 34.7%
- Annual revenue over 3 years: 28.8%
- Annual revenue over 5 years: 30.4%
- 10 Years of Annual Returns: 17.5%
Our views on this mutual fund scheme
- This Mid-Cap fund currently has 72% and 28% invested in Treps (Tri-Party Repo).
- Equity allocation consists of 0% for large caps, 18% for medium caps, 16% for small caps, and the rest for other equity equipment.
- Fund Beta: 0.85 (Shows lower volatility compared to benchmarks)
- Fund Alpha: 7.83 (Shows better risk-adjusted returns)
- Cost Ratio: 0.65% (direct plan)
- Minimum investment: £100 (lunch payment) and £100 (SIP for 6 months)
- Please finish: 1% if more than 10% of the investment is redeemed within 365 days
- Since Inception (2013), direct planning has generated an annual revenue of 23.3%.
I personally invest in this midcap fund, but my recommendations remain the same for readers. This fund is in it 30 mutual funds that tripled investor wealth in five years.
#2 – Investco India Midcap Fund
Investment objective:
The scheme seeks to generate capital gains by investing in Midcap companies in advance.
Performance details
Absolute Fund Returns
- 1 year return: 18.7%
- 2-year returns: 71.0%
- 3 years return: 81.1%
- 5-year return: 218.1%
- 10-year returns: 371.6% (1 lakh would have changed to £4.71 lakhs)
Annual revenue from the fund
- 1 year return: 18.7%
- Annual revenue over two years: 30.7%
- Annual revenue over 3 years: 21.8%
- Annual revenue over 5 years: 26.0%
- 10 Years of Annual Returns: 16.7%
Our views on this mutual fund scheme
- This mid-cap fund invests 100% in its stocks.
- Equity allocation consists of 6.5% for large caps, 29.3% for medium caps, 22.5% for small caps, and the remaining for other stock equipment.
- Fund Beta: 0.88 (Shows lower volatility compared to benchmarks)
- Fund Alpha: 1.45 (Shows better risk-adjusted returns)
- Cost Ratio: 0.59% (direct plan)
- Minimum investment: £1,000 (lunch payment) and £500 (SIP for 6 months)
- Please finish: 1% if more than 10% of the investment is redeemed within 365 days
- Since Inception (2013), direct planning has generated an annual revenue of 23.3%. This is one of the consistent performances Midcap Mutual Funds that we recommend investing in 2025.
#3 – HDFC Balance Advantage Fund
Investment objective:
This scheme seeks to provide long-term capital rise/income from a dynamic combination of equity and debt investments.
Performance details
Absolute Fund Returns
- 1 year return: 7.4%
- 2-year returns: 48.6%
- 3-year returns: 72.8%
- 5 years return: 199.9%
- 10 years return: 276% (1 lakh would have changed to £3.76 lakhs)
Annual revenue from the fund
- 1 year return: 7.4%
- 2 years annual revenue: 21.8%
- 3 years of annual revenue: 19.9%
- Annual revenue over 5 years: 23.9%
- 10 Years Annual Returns: 14.1%
Our views on this mutual fund scheme
- This Dynamic Asset Arlocation Fund (Hybrid Fund) invests 65% in its stock, 31% debt, and balances from other products.
- The equity component consists of 44% for large caps, 5% for medium caps, 4% for small caps, and balances from other equity equipment.
- Fund Beta: 1.22 (shows high volatility compared to the benchmark). Betas above 1 suggest that the fund is experiencing a wider swing than the benchmark, while betas below 1 indicate a lower swing.
- Fund Alpha: 7.35 (indicates risk-adjusted improvements in return). Alpha measures the additional returns offered by the fund compared to benchmarks, and is desirable for investors looking for better performance.
- Cost Ratio: 0.78% (direct planning).
- Minimum investment: £100 (lunch payment) and £100 (SIP for 6 months).
- Please finish: 1% if more than 15% of the investment is redeemed within 365 days.
- Since Inception (2013), direct planning has generated an annual revenue of 14.8%.
- This is one of the consistent and dynamic asset allocation funds that span the medium to long term.
- We recommend this fund as part of it How to Create £100 Kroules with 50,000 SIP on Mutual Funds Previous article.
#4 – ICICI Prudential Infrastructure Fund
Investment objective:
To generate capital appreciation and income distribution for unit holders by investing in equity/stock related securities primarily belonging to infrastructure themes.
Performance details
Absolute Fund Returns
- 1 year return: 7.6%
- 2-year returns: 67.9%
- 3-year returns: 111.2%
- 5-year return: 346.9%
- 10-year returns: 315.4% (1 lakh would have changed to £4.15 lakhs)
Annual revenue from the fund
- 1 year return: 7.6%
- 2 years annual revenue: 29.5%
- 3 years of annual revenue: 28.2%
- Annual revenue over 5 years: 34.9%
- 10 Years of Annual Returns: 15.3%
Our views on this mutual fund scheme
- This infrastructure fund invests 94% in its stock, particularly in its balances of infrastructure and related stocks, as well as other equipment.
- The equity component consists of a balance of 49% for large caps, 7% for medium caps, 16% for small caps, and other equity equipment.
- Fund Beta: 0.92 (shows high volatility compared to the benchmark). Betas above 1 suggest that the fund is experiencing a wider swing than the benchmark, while betas below 1 indicate a lower swing.
- Fund Alpha: 14.3 (indicates risk-adjusted returns). Alpha measures the additional returns offered by the fund compared to benchmarks, and is desirable for investors looking for better performance.
- Cost Ratio: 0.78% (direct planning).
- Minimum investment: £5,000 (luxury payment) and £100 (SIP for 6 months).
- Please finish: 1% if redeemed within 15 days.
- Since Inception (2013), direct planning has generated an annual revenue of 16.5%.
- It is one of the medium to long-term, consistent performance infrastructure funds. I am also personally investing in this fund.
#5 – Quant Multi Asset Fund
Investment objective:
The purpose of this scheme is to generate income and capital gains by investing in products across three asset classes. Fairness, debt, goods.
Performance details
Absolute Fund Returns
- 1 year return: 10.6%
- 2-year returns: 54.6%
- 3-year returns: 72.8%
- 5 years return: 291.0%
- 10 years return: 378.0% (1 lakhs would have changed to £4.78 lakhs)
Annual revenue from the fund
- 1 year return: 10.6%
- Annual revenue over two years: 24.3%
- Annual revenue over 3 years: 20.0%
- Annual revenue over 5 years: 31.3%
- 10 Years Annual Returns: 16.9%
Our views on this mutual fund scheme
- The multi-asset fund invests 56% in stocks, 11% in debt instruments, and balances from other equipment including TREPs, invitations and other MF units.
- The equity component consists of 27% for the large cap, 1% for the intermediate cap and balances from other stock instruments.
- Fund Beta: 0.45 (indicating lower volatility compared to benchmarks). Betas above 1 suggest that the fund is experiencing a wider swing than the benchmark, while betas below 1 indicate a lower swing.
- Fund Alpha: 10.9 (indicates risk-adjusted returns). Alpha measures the additional returns offered by the fund compared to benchmarks, and is desirable for investors looking for better performance.
- Cost Ratio: 0.61% (direct planning).
- Minimum investment: £5,000 (luxury payment) and £1,000 (SIP for 6 months).
- Please finish: 1% if redeemed within 15 days.
- Since Inception (2013), direct planning has generated an annual revenue of 15.1%.
- QUANT AMC Mutual Funds are below post-fund manager front-running scam It happened last year. Investors should consider this aspect before investing in this fund.
ChatGpt recommended mutual funds for 2025 video
Now, some critics say this list is fake and that ChatGpt doesn’t provide recommendations for the latest mutual funds for 2025. Here is a video showing the questions and their answers.
Should I invest in ChatGpt’s recommended equity funds?
It doesn’t matter whether the recommendations are from Chat GPT or from my article. Investors should first consider their investment goals, tenure and risk tolerance (high, medium, or low risk) as their first steps.
As a second step, by analyzing how well these funds are performing across different market cycles, you can filter mutual funds based on medium-term performance, and ultimately, expert opinions can add value to your decisions. Don’t forget to invest all the time Diversified mutual fund portfolio across a variety of mutual fund categories to reduce risk.
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