13 Wealth Builder Mutual Funds with 5 Star Score from Worth Analysis to spend money on 2025

Investing in mutual funds has change into some of the most popular methods for people to develop their wealth in a scientific and disciplined method. A mutual fund swimming pools cash from a number of buyers and invests it right into a diversified portfolio of equities, bonds, or different securities, managed by skilled fund managers. Through the years, mutual funds have confirmed to be an efficient option to construct wealth for each short-term targets and long-term monetary planning.

Earlier we wrote article on 13 Wealth Builder Mutual Funds with 5-Star Score from Worth Analysis to spend money on 2025

What are Mutual Funds?

A mutual fund swimming pools cash from many buyers and invests in a diversified basket of securities—equities, bonds, or a mixture—managed by skilled fund managers. Traders get models proportional to their contribution and profit from diversification, skilled analysis, and liquidity. Returns are linked to market efficiency, and threat varies by class and technique.

What are ‘Wealth Builder’ Mutual Funds (as per Worth Analysis)?

Within the Worth Analysis framework, long-term wealth builders are usually diversified fairness classes that may compound capital throughout market cycles. These prominently embrace:

• Giant-cap funds – make investments primarily within the prime 100 firms by market capitalization; present relative stability and regular compounding.
• Flexi-cap funds – have full flexibility to maneuver throughout large-, mid-, and small-caps based mostly on alternatives.  Discover Greatest Flexicap Mutual Funds for 2025 based mostly on rolling returns.
• Worth/Contra funds – comply with a worth or contrarian model to purchase basically sturdy however undervalued shares aiming for imply reversion and long-term alpha.

Be aware: Worth Analysis typically highlights 4-star and 5-star schemes as prime performers on a risk-adjusted foundation. For this text, we’ve got targeted solely on 5-star rated choices. Some schemes sit in Giant & Mid Cap (an in depth proxy to the large-cap bucket for wealth constructing) and Targeted methods that also meet the diversified, long-term wealth creation goal.

* Mutual Fund particulars and efficiency historical past thought-about from ValueResearch Portal as on 27-Aug-2025.

Record of 13 Wealth Builder Mutual Funds with 5-Star Score (5-12 months Returns included the place accessible)

Deep Dive into Every Fund

#1 – HDFC Targeted Fund

• Fund Goal: Goals to generate long-term capital appreciation by investing in a concentrated portfolio of high-quality firms throughout sectors.
• Annualised Returns:
  • 1 12 months: 8.16%
  • 3 Years: 23.94%
  • 5 Years: 28.41%
  • 10 Years: 16.28%
• Who Can Make investments: Traders in search of targeted publicity to prime firms and long-term development.
• Threat Components:
  • Concentrated portfolio threat
  • Excessive market volatility influence
  • Sector allocation dangers

#2 – HDFC Flexi Cap Fund

• Fund Goal: Seeks to ship capital appreciation by investing throughout market capitalizations with a versatile strategy.
• Annualised Returns:
  • 1 12 months: 6.89%
  • 3 Years: 23.09%
  • 5 Years: 27.78%
  • 10 Years: 17.11%
• Who Can Make investments: Excellent for buyers in search of diversification throughout giant, mid, and small caps.
• Threat Components:
  • Publicity to mid & small caps will increase volatility
  • Market cycle dependency

This fund was a part of our earlier article on Greatest Mutual Funds to spend money on 2025 as per Google Gemini AI.

#3 – Parag Parikh Flexi Cap Fund

• Fund Goal: Focuses on long-term wealth creation via home and worldwide equities with a value-investing strategy.
• Annualised Returns:
  • 1 12 months: 6.80%
  • 3 Years: 21.09%
  • 5 Years: 22.76%
  • 10 Years: 18.89%
• Who Can Make investments: Traders searching for international diversification and stability.
• Threat Components:
  • Forex fluctuation dangers (because of abroad investments)
  • Market timing threat

#4 – Invesco India Flexi Cap Fund

• Fund Goal: Invests throughout market caps with a bottom-up stock-picking strategy to generate long-term development.
• Annualised Returns:
  • 1 12 months: 5.83%
  • 3 Years: 24.70%
  • 5 Years: NA
• Who Can Make investments: Traders preferring lively administration and diversification.
• Threat Components:
  • Restricted monitor file for long-term efficiency
  • Mid and small-cap volatility

#5 – Invesco India Targeted Fund

• Fund Goal: Seeks capital appreciation by investing in as much as 30 high-conviction shares.
• Annualised Returns:
  • 1 12 months: 2.95%
  • 3 Years: 25.31%
  • 5 Years: NA
• Who Can Make investments: Traders searching for aggressive development in a concentrated portfolio.
• Threat Components:
  • Focus threat
  • Greater volatility briefly time period

#6 – ICICI Prudential India Fairness FOF

• Fund Goal: Fund of Funds scheme investing in diversified fairness mutual funds to ship superior risk-adjusted returns.
• Annualised Returns:
  • 1 12 months: 0.98%
  • 3 Years: 21.28%
  • 5 Years: 25.40%
• Who Can Make investments: Inexperienced persons in search of simplified publicity to equities by way of a number of funds.
• Threat Components:
  • Double expense ratio influence
  • Market dependency of underlying schemes

#7 – HDFC Retirement Financial savings Fund Fairness Plan

• Fund Goal: Goals for long-term wealth creation with retirement-focused investing technique in equities.
• Annualised Returns:
  • 1 12 months: -0.58%
  • 3 Years: 19.77%
  • 5 Years: 24.97%
• Who Can Make investments: Lengthy-term retirement planners with greater threat urge for food.
• Threat Components:
  • Lock-in till retirement
  • Market downturn threat

The above fund was a part of 20 Fairness Mutual Funds with Low Beta and Excessive Alpha article which we wrote earlier.

#8 – Motilal Oswal Giant & Midcap Fund

• Fund Goal: Seeks to seize development alternatives in each giant and midcap segments.
• Annualised Returns:
  • 1 12 months: 3.52%
  • 3 Years: 27.93%
  • 5 Years: 28.75%
• Who Can Make investments: Traders in search of high-growth alternatives with reasonable threat.
• Threat Components:
  • Midcap volatility
  • Excessive beta shares influence efficiency

#9 – ICICI Prudential Giant & Mid Cap Fund

• Fund Goal: Focuses on wealth creation via a mixture of large-cap stability and mid-cap development potential.
• Annualised Returns:
  • 1 12 months: 2.78%
  • 3 Years: 22.15%
  • 5 Years: 26.49%
  • 10 Years: 17.50%
• Who Can Make investments: Traders with medium to long-term targets in search of a steadiness of development and stability.
• Threat Components:
  • Midcap publicity threat
  • Fund efficiency linked to market cycle

We highlighted above fund as a part of 10 CRISIL 5-Star Rated Mutual Funds with Over 30% CAGR in 5 Years.

#10 – Bandhan Giant & Mid Cap Fund

• Fund Goal: Generates long-term capital appreciation by investing in a mix of enormous and mid-cap shares.
• Annualised Returns:
  • 1 12 months: -0.27%
  • 3 Years: 25.28%
  • 5 Years: 26.18%
  • 10 Years: 17.80%
• Who Can Make investments: Traders searching for constant returns via diversified giant & midcap investments.
• Threat Components:
  • Market correction threat
  • Midcap underperformance influence

#11 – UTI Giant & Mid Cap Fund

• Fund Goal: Balances stability from large-caps and development from midcaps to ship long-term returns.
• Annualised Returns:
  • 1 12 months: -1.04%
  • 3 Years: 21.82%
  • 5 Years: 24.98%
  • 10 Years: 14.74%
• Who Can Make investments: Traders aiming for wealth creation with diversified publicity.
• Threat Components:
  • Reasonable volatility
  • Sector allocation dangers

#12 – ICICI Prudential Worth Fund

• Fund Goal: Invests in undervalued shares with sturdy fundamentals to ship long-term appreciation.
• Annualised Returns:
  • 1 12 months: 2.34%
  • 3 Years: 22.14%
  • 5 Years: 26.18%
  • 10 Years: 16.32%
• Who Can Make investments: Worth buyers trying to profit from mispriced alternatives.
• Threat Components:
  • Worth traps
  • Longer holding interval wanted for returns

The above fund was a part of our earlier article 10 Mutual Fund Schemes with 20-12 months Returns Between 1775% and 2002%.

#13 – SBI Contra Fund

• Fund Goal: Follows a contrarian funding technique by investing in out-of-favor sectors and shares with turnaround potential.
• Annualised Returns:
  • 1 12 months: -3.83%
  • 3 Years: 21.45%
  • 5 Years: 29.63%
  • 10 Years: 17.04%
• Who Can Make investments: Aggressive buyers in search of high-risk, high-reward alternatives.
• Threat Components:
  • Contrarian bets might take lengthy to carry out
  • Greater threat in comparison with friends

Conclusion

These 13 Wealth Builder Mutual Funds with 5-Star Score from Worth Analysis have constantly delivered sturdy returns over totally different time horizons. Whether or not you like flexi-cap diversification, giant & midcap steadiness, or value-driven investing, these schemes present a number of choices for buyers in 2025. Whereas previous efficiency will not be a assure for future outcomes, their sturdy monitor file, skilled fund administration, and constant rankings make them among the greatest picks for long-term wealth creation.

If you’re planning your funding journey in 2025, rigorously consider your threat profile, monetary targets, and funding horizon earlier than investing in any of those funds.

Suresh KP is a seasoned monetary professional with over 20 years of expertise. He’s NISM Licensed Funding Adviser and Analysis Analyst. For extra about his experience and certifications, go to About Suresh KP

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