Want to become rich, but only via low-risk, high return plans? Top tips by experts! Read list here

All investors want to become rich but limited resources force them to take less or no risk. This means their profit gets limited too. However, those investors, who don't want to take high risk also have the power to grow their money manifold. Hybrid mutual funds have proved this fact and in the coming times, they still have enough gas to generate big returns, say investment experts.

Speaking on the Hybrid mutual funds and their features, Hemant Rustagi, CEO at Wiseinvest Advisors said, "Hybrid funds have investments in both debt and equity mutual funds and they are of various types — Conservative hybrid mutual funds, aggressive hybrid mutual funds, balanced hybrid mutual funds, balanced advantage hybrid mutual funds, arbitrage fund and equity savings." In conservative hybrid mutual funds, exposure in debt mutual funds are from 75 per cent to 90 per cent while in the rest of the hybrid mutual funds, investments are made in the equity mutual funds. He said that for maximum gains, one should invest for at least three years in this category of the mutual funds.

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Rustagi's list of Hybrid mutual funds plan that can help an investor maximise gains 

* Conservative hybrid funds schemes
Kotak Debt Hybrid Fund, 
Canara Robeco Conservative Hybrid Fund 
SBI Debt Hybrid Fund 

* Aggressive hybrid mutual funds 
SBI Equity Hybrid Fund, 
Kotak Equity Hybrid, 
ICICI Pru asset allocator fund 
Mirae Asset Hybrid Equity Fund

* Balanced hybrid mutual funds 
ICICI Pru Asset Allocator Fund

Elaborating upon the LTCG Tax and how debt funds can help you extend this from one year to three years Pankaj Mathpal, Managing Director, Optima Money Managers said, "Debt provides stability to the portfolio. Holding it for a period of more than 3 years qualifies for long term capital gain. Long term capital gain from debt scheme is taxed at 20 per cent with the benefit of indexation and hence, it's more tax-efficient compared to fixed deposits."