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A mutual fund is a professionally-managed investment scheme, usually run by an asset management company that brings together a group of people and invests their money in stock, bonds and other security. Desecration: As an investor, you can buy mutual fund 'unit', which basically represent your share of holdings in a particular scheme. These units can be purchased or redeemed as needed at the fund's current net asset value (NAV). These NAVs Keep fluctuating according to the fund's holdings. So,each investors participates proportionally in the gain or loss of the fund.These schemes are ideal for new investors as they come with a mandatory lock-in period of three years and it helps investors tackle volatility typically associated with equity mutual funds. Equity-oriented hybrid schemes or balanced schemes are also ideal for novices to the stock market. These schemes invest in a mix of equity (minimum 65 per cent) and debt, and they are relatively less volatile than pure equity schemes that invest the entire corpus in stocks. Equity-oriented hybrid schemes are the best investment vehicle for investors looking to create long-term wealth without much volatility. A regular investor looking to invest in the stock market need not look beyond mutlicap mutual funds or diversified equity schemes. These schemes invest across market capitalisation based on the view of the fund manager. They invest mostly in largecap and midcap stocks, with a small allocation to smallcap stocks. A regular investor can benefit from the uptrend in any of the sectors, categories of stocks by investing in these schemes.