{"id":6415,"date":"2026-03-04T09:20:40","date_gmt":"2026-03-04T09:20:40","guid":{"rendered":"https:\/\/www.paytmmoney.com\/blog\/?p=6415"},"modified":"2026-03-04T09:20:40","modified_gmt":"2026-03-04T09:20:40","slug":"international-mutual-fund-investing-abroad-guide","status":"publish","type":"post","link":"https:\/\/www.paytmmoney.com\/blog\/international-mutual-fund-investing-abroad-guide\/","title":{"rendered":"International Mutual Funds Explained: Your Guide to Investing Abroad"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Have you ever wondered how you can invest in companies like Apple, Microsoft or global technology giants without opening a foreign trading account? You are not alone. Many Indian investors are now looking beyond domestic markets to build stronger and more diversified portfolios.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That is where International Mutual Funds come into play. If you are thinking of investing abroad, this guide will help you understand everything about an <\/span><a href=\"https:\/\/www.paytmmoney.com\/blog\/international-equity-funds\/\"><span style=\"font-weight: 400;\">International Mutual Fund<\/span><\/a><span style=\"font-weight: 400;\">, including benefits, risks, taxation and the top performing funds. Let us break it down in a simple and practical way.<\/span><\/p>\n<h2><b>What is an International Mutual Fund?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">An International Mutual Fund is an <a href=\"https:\/\/www.paytmmoney.com\/mutual-funds\/equity-funds\"><span style=\"color: #1e73be; font-weight: 600;\">equity oriented mutual fund<\/span><\/a> that invests in companies listed outside India. These funds pool money from multiple investors and invest in global securities such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">International equities<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Global bonds<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.paytmmoney.com\/blog\/exchange-traded-funds-etf-investing\/\"><span style=\"font-weight: 400;\"><span style=\"color: #1e73be; font-weight: 600;\">Exchange Traded Funds<\/span><\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Thematic or sector based global indices<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In simple terms, instead of buying foreign stocks directly, you invest in an International Mutual Fund, and professional fund managers handle the rest.<\/span><\/p>\n<h3>Why Are Investors Going Global?<\/h3>\n<p><span style=\"font-weight: 400;\">In the modern financial landscape, building a robust portfolio is essential. While sector diversification within India is important, geographical diversification can further strengthen your portfolio.<\/span><\/p>\n<p><b>An International Mutual Fund helps you:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gain exposure to global leaders like Apple, Microsoft, and innovative giants such as Tesla.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Participate in fast growing international economies.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reduce dependence on a single country<\/span><\/li>\n<\/ul>\n<h2><b>Who Should Invest in an International Mutual Fund?<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Investors seeking diversification:<\/b><span style=\"font-weight: 400;\"> If your portfolio is heavily dependent on Indian markets, adding global exposure helps spread risk across countries and sectors.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Investors comfortable with higher risk:<\/b><span style=\"font-weight: 400;\"> Global markets can be volatile. Currency movements, geopolitical issues and global economic cycles influence returns.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Investors with specific global themes in mind:<\/b><span style=\"font-weight: 400;\"> Many Indian mutual funds invest in US equities, particularly in sectors such as technology, healthcare and consumer goods. If you believe in the long term growth of a specific country or sector, an International Mutual Fund can be ideal.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Long term investors:<\/b><span style=\"font-weight: 400;\"> An International Mutual Fund tends to perform best over the long term. A minimum investment horizon of 5 to 7 years is usually recommended.<\/span><\/li>\n<\/ul>\n<h2><b>Key Benefits of Investing in an International Mutual Fund<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Diversification across borders: <\/b><span style=\"font-weight: 400;\">The primary advantage of an International Mutual Fund is geographical diversification. Your portfolio gets exposure to companies worldwide rather than relying only on the Indian economy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Potential for higher returns: <\/b><span style=\"font-weight: 400;\">Certain global markets may outperform India during specific cycles. Investing through an International Mutual Fund allows you to tap into global growth trends.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Domestic hedge: <\/b><span style=\"font-weight: 400;\">If Indian markets underperform due to economic slowdown or sector specific issues, global exposure can act as a hedge.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Professional management: <\/b><span style=\"font-weight: 400;\">Your money is managed by experienced professionals who track global trends, currency movements and macroeconomic factors.<\/span><\/li>\n<\/ul>\n<h2><b>Factors to Consider Before Investing in an International Mutual Fund<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Investment risks: <\/b><span style=\"font-weight: 400;\">Equity focused international funds carry higher risk because global markets are influenced by interest rate cycles, global recessions, commodity price shocks and policy changes across countries.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Currency fluctuations: <\/b><span style=\"font-weight: 400;\">Currency risk plays a major role in an International Mutual Fund. If the rupee depreciates against the US dollar, your returns may improve. However, if the rupee appreciates, your overall returns may decline.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Costs and expense ratio: <\/b><span style=\"font-weight: 400;\">Expense ratios for international funds can be slightly higher than domestic passive funds. Before investing, you should carefully compare the expense ratio, tracking error and exit load.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Nature of the fund: <\/b><span style=\"font-weight: 400;\">International funds can be country specific, region specific, globally diversified, sector thematic, passive ETF based or actively managed. You should choose a fund based on your risk appetite and financial goals.<\/span><\/li>\n<\/ul>\n<h2><b>Risks Involved in an International Mutual Fund<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">While an International Mutual Fund offers diversification, risks must not be ignored.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Currency Risk: <\/b><span style=\"font-weight: 400;\">Foreign exchange movements can amplify gains or losses.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Geopolitical Risk: <\/b><span style=\"font-weight: 400;\">Political instability, trade wars or armed conflicts can impact global markets.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Economic and Regulatory Risk: <\/b><span style=\"font-weight: 400;\">Global slowdowns, financial crises and regulatory changes can influence returns.<\/span><\/li>\n<\/ul>\n<h2><b>Taxation of International Mutual Fund<\/b><\/h2>\n<h3><b>Case 1: Specified Mutual Funds<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If the fund holds less than 35 percent Indian securities, it is classified as a specified mutual fund.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gains are taxed at your applicable income tax slab rate under Section 50AA<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Holding period does not matter<\/span><\/li>\n<\/ul>\n<h3><b>Case 2: Non Specified Mutual Funds<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If the fund does not fall under the specified category:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>For investments made before 1 April 2023 and redeemed before 22 July 2024: <\/b><span style=\"font-weight: 400;\">If the holding period was less than three years, gains were taxed according to the investor\u2019s income tax slab. If held for more than three years, gains were taxed at 20 percent with the benefit of indexation.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>For investments made on or after 1 April 2023 and redeemed after 23 July 2024: <\/b><span style=\"font-weight: 400;\">Capital gains are taxed at 12.5 percent if the units are held for more than 24 months, which is the revised long term holding period. If sold within 24 months, short term capital gains are taxed as per the investor\u2019s income tax slab.<\/span><\/li>\n<\/ul>\n<h3><b>Dividend Taxation<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Dividend income from an International Mutual Fund is taxed as income from other sources at your applicable slab rate.<\/span><\/p>\n<h3><b>Foreign Tax Credit<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If tax is deducted abroad, you may claim foreign tax credit under the Double Taxation Avoidance Agreement between countries.<\/span><\/p>\n<p><span style=\"font-size: 10pt;\"><i><span style=\"font-weight: 400;\">(<\/span><\/i><b><i>Source: <\/i><\/b><i><span style=\"font-weight: 400;\">AMFI, Tata Capital)<\/span><\/i><\/span><\/p>\n<h2><b>Top 10 International FoFs Ranked by 3 Year Returns<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Below is a summary of the top performing international Fund of Funds based on 3 year returns.<\/span><\/p>\n<div class=\"wp-block-table\" style=\"display: block; width: 100%; overflow-x: auto; -webkit-overflow-scrolling: touch; border: 1px solid #000000; margin-bottom: 5px;\">\n<table style=\"width: 100%; border-collapse: collapse; min-width: 1000px; font-family: Arial, sans-serif; font-size: 14px; color: #000000; background-color: #ffffff;\">\n<thead>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #000000; text-align: left; font-weight: bold; color: #000000; background-color: #ffffff; width: 30%;\">Fund Name<\/th>\n<th style=\"padding: 12px; border: 1px solid #000000; text-align: center; font-weight: bold; color: #000000; background-color: #ffffff;\">Fund Size (\u20b9 Cr)<\/th>\n<th style=\"padding: 12px; border: 1px solid #000000; text-align: center; font-weight: bold; color: #000000; background-color: #ffffff;\">Expense Ratio<\/th>\n<th style=\"padding: 12px; border: 1px solid #000000; text-align: center; font-weight: bold; color: #000000; background-color: #ffffff;\">3 Year Return<\/th>\n<th style=\"padding: 12px; border: 1px solid #000000; text-align: center; font-weight: bold; color: #000000; background-color: #ffffff;\">Min SIP (\u20b9)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\"><a href=\"https:\/\/www.paytmmoney.com\/mutual-funds\/scheme\/dsp-world-mining-fund-direct-plan-growth\/inf740k01pf8\">DSP World Gold Mining Overseas Equity Omni FoF Direct Growth<\/a><\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">1974.63<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">1.74%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">65.52%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">100<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\"><a href=\"https:\/\/www.paytmmoney.com\/mutual-funds\/scheme\/mirae-asset-nyse-fang-etf-fof-direct-growth\/inf769k01hh0\">Mirae Asset NYSE FANG+ ETF FoF Direct Growth<\/a><\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">2256.13<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">0.08%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">51.14%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">99<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\"><a href=\"https:\/\/www.paytmmoney.com\/mutual-funds\/scheme\/nippon-india-taiwan-equity-fund-direct-growth\/inf204kc1303\">Nippon India Taiwan Equity Fund Direct Growth<\/a><\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">448.04<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">1.04%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">46.09%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">100<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\"><a href=\"https:\/\/www.paytmmoney.com\/mutual-funds\/scheme\/mirae-asset-sp-500-top-50-etf-fof-direct-growth\/inf769k01hr9\">Mirae Asset S&amp;P 500 Top 50 ETF FoF Direct Growth<\/a><\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">765.77<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">0.11%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">37.31%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">99<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\"><a href=\"https:\/\/www.paytmmoney.com\/mutual-funds\/scheme\/icici-prudential-strategic-metal-and-energy-equity-fof-direct-growth\/inf109kc1z55\">ICICI Prudential Strategic Metal and Energy Equity FoF Direct Growth<\/a><\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">178.75<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">0.59%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">35.90%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">100<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\"><a href=\"https:\/\/www.paytmmoney.com\/mutual-funds\/scheme\/mirae-asset-global-x-artificial-intelligence-technology-etf-fof-direct-growth\/inf769k01is5\">Mirae Asset Global X Artificial Intelligence &amp; Technology ETF FoF Direct Growth<\/a><\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">394.69<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">0.26%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">34.33%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">99<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\"><a href=\"https:\/\/www.paytmmoney.com\/mutual-funds\/scheme\/kotak-nasdaq-100-fof-direct-g\/inf174ka1fq7\">Kotak US Specific Equity Passive FoF Direct Growth<\/a><\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">3870.28<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">0.24%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">32.35%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">100<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\"><a href=\"https:\/\/www.paytmmoney.com\/mutual-funds\/scheme\/navi-nasdaq-100-fof-direct-growth\/inf959l01fz1\">Navi Nasdaq100 US Specific Equity Passive FoF Direct Growth<\/a><\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">1086.42<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">0.16%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">32.16%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">100<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\"><a href=\"https:\/\/www.paytmmoney.com\/mutual-funds\/scheme\/aditya-birla-sun-life-nasdaq-100-fof-direct-growth\/inf209kb18c5\">Aditya Birla Sun Life US Equity Passive FoF Direct Growth<\/a><\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">459.38<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">0.26%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">32.05%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">100<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\"><a href=\"https:\/\/www.paytmmoney.com\/mutual-funds\/scheme\/invesco-india-invesco-eqqq-nasdaq-100-etf-fof-direct-growth\/inf205ka1585\">Invesco India Invesco EQQQ NASDAQ 100 ETF FoF Direct Growth<\/a><\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">416.31<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">0.16%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">32.02%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000; text-align: center;\">100<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div class=\"md:hidden lg:hidden xl:hidden\" style=\"text-align: center; margin-top: 10px; margin-bottom: 20px; font-size: 13px; color: #666666; font-family: Arial, sans-serif;\">\u2190 Swipe horizontally to see the full fund comparison \u2192<\/div>\n<style>\n    @media screen and (min-width: 768px) {<br \/>        .md\\:hidden {<br \/>            display: none !important;<br \/>        }<br \/>    }<br \/><\/style>\n<p><span style=\"font-size: 10pt;\"><i><span style=\"font-weight: 400;\">(<\/span><\/i><b><i>Note:<\/i><\/b><i><span style=\"font-weight: 400;\"> The data presented above is as of March 4, 2026, 11:00 AM, and is subject to change without prior notice. The information is provided for informational purposes only and should not be construed as investment advice or a recommendation. Past performance is not indicative of or a guarantee of future returns.)<\/span><\/i><\/span><\/p>\n<p><span style=\"font-size: 10pt;\"><i><span style=\"font-weight: 400;\">(<\/span><\/i><b><i>Source:<\/i><\/b><i><span style=\"font-weight: 400;\"> Economic Times)<\/span><\/i><\/span><\/p>\n<h3><b>Analytical Insights<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The highest return of 65.52 percent was delivered by DSP World Gold Mining Overseas Equity Omni FoF Direct Growth.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Most funds generated returns between 32 percent and 37 percent over three years.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Expense ratios for passive FoFs range from 0.08 percent to 0.26 percent.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum SIP is accessible at \u20b999 to \u20b9100 for most funds, except a few requiring \u20b9500.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These funds are heavily concentrated in US technology and Nasdaq linked strategies. They should ideally be treated as satellite allocations rather than core holdings.<\/span><\/p>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">International mutual funds are no longer a luxury for the ultra-wealthy. They are a strategic tool for any investor looking to build a truly diversified, world-class portfolio. While the risks of currency and global politics are real, the opportunity to own a piece of the world&#8217;s most innovative companies is hard to ignore.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By starting small and staying invested for the long term, you can ensure your wealth grows alongside the global economy. Global investing is no longer complicated. With the right approach, you can make the world your investment playground.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 10pt;\"><b><i>Disclaimer:<\/i><\/b><i><span style=\"font-weight: 400;\"> Investments in securities market are subject to market risks, read all the related documents carefully before investing. This content is purely for information purpose only and in no way is to be considered as an advice or recommendation. The securities are quoted as an example and not as a recommendation. Investors are requested to do their own due diligence before investing.<\/span><\/i><\/span><\/p>\n<p><span style=\"font-size: 10pt;\"><i><span style=\"font-weight: 400;\">SEBI Reg No.: Broking \u2013 INZ000240532, Research Analyst \u2013 INH000020086, Depository Participant \u2013 IN-DP-416-2019, Depository Participant Number: CDSL \u2013 12088800, NSE (90165), BSE (6707), MCX (57525), NCDEX (1315), MSEI (85300).<\/span><\/i><\/span><\/p>\n<p><span style=\"font-size: 10pt;\"><i><span style=\"font-weight: 400;\">Registered Office: 136, 1st Floor, Devika Tower, Nehru Place, Delhi \u2013 110019.<\/span><\/i><\/span><\/p>\n<p><span style=\"font-size: 10pt;\"><i><span style=\"font-weight: 400;\">For complete Terms &amp; Conditions and Disclaimers, visit <\/span><\/i><a href=\"https:\/\/www.paytmmoney.com\"><i><span style=\"font-weight: 400;\">https:\/\/www.paytmmoney.com<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">.<\/span><\/i><\/span><\/p>\n<h2><b>FAQs<\/b><\/h2>\n<div style=\"max-width: 100%; margin: 20px 0; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">\n<style>\n        \/* Hides default browser arrow\/triangle for a clean professional look *\/<br \/>        summary::-webkit-details-marker { display: none; }<br \/>        summary { list-style: none; outline: none; }<br \/>    <\/style>\n<details style=\"border-bottom: 1px solid #e2e8f0; padding: 15px 0; cursor: pointer;\">\n<summary style=\"display: flex; justify-content: space-between; align-items: center; font-weight: 600; color: #1a202c; font-size: 18px;\">What is an International Mutual Fund?<br \/>\n<span style=\"font-size: 24px; color: #007bff;\">+<\/span><\/summary>\n<div style=\"padding-top: 10px; color: #4a5568; line-height: 1.6;\">An International Mutual Fund is a mutual fund that invests in companies listed outside India. It allows Indian investors to gain global exposure without opening a foreign trading account.<\/div>\n<\/details>\n<details style=\"border-bottom: 1px solid #e2e8f0; padding: 15px 0; cursor: pointer;\">\n<summary style=\"display: flex; justify-content: space-between; align-items: center; font-weight: 600; color: #1a202c; font-size: 18px;\">Is investing in an International Mutual Fund risky?<br \/>\n<span style=\"font-size: 24px; color: #007bff;\">+<\/span><\/summary>\n<div style=\"padding-top: 10px; color: #4a5568; line-height: 1.6;\">Yes, International Mutual Funds carry higher risk due to currency fluctuations, geopolitical events and global economic volatility. They are suitable for investors with a long term horizon of 5 to 7 years.<\/div>\n<\/details>\n<details style=\"border-bottom: 1px solid #e2e8f0; padding: 15px 0; cursor: pointer;\">\n<summary style=\"display: flex; justify-content: space-between; align-items: center; font-weight: 600; color: #1a202c; font-size: 18px;\">How are International Mutual Funds taxed in India?<br \/>\n<span style=\"font-size: 24px; color: #007bff;\">+<\/span><\/summary>\n<div style=\"padding-top: 10px; color: #4a5568; line-height: 1.6;\">If classified as specified mutual funds, gains are taxed at the investor\u2019s slab rate under Section 50AA. In other cases, long term capital gains are taxed at 12.5 percent after 24 months, while short term gains are taxed as per slab rate.<\/div>\n<\/details>\n<details style=\"border-bottom: 1px solid #e2e8f0; padding: 15px 0; cursor: pointer;\">\n<summary style=\"display: flex; justify-content: space-between; align-items: center; font-weight: 600; color: #1a202c; font-size: 18px;\">What are the benefits of investing in an International Mutual Fund?<br \/>\n<span style=\"font-size: 24px; color: #007bff;\">+<\/span><\/summary>\n<div style=\"padding-top: 10px; color: #4a5568; line-height: 1.6;\">The key benefits include global diversification, access to international companies, potential for higher returns and hedging against domestic market downturns.<\/div>\n<\/details>\n<details style=\"border-bottom: 1px solid #e2e8f0; padding: 15px 0; cursor: pointer;\">\n<summary style=\"display: flex; justify-content: space-between; align-items: center; font-weight: 600; color: #1a202c; font-size: 18px;\">How much should I allocate to International Mutual Funds?<br \/>\n<span style=\"font-size: 24px; color: #007bff;\">+<\/span><\/summary>\n<div style=\"padding-top: 10px; color: #4a5568; line-height: 1.6;\">Financial planners generally suggest allocating 10 to 25 percent of your overall equity portfolio to International Mutual Funds, depending on your risk appetite and financial goals.<\/div>\n<\/details>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Have you ever wondered how you can invest in companies like Apple, Microsoft or global technology giants without opening a foreign trading account? You are not alone. Many Indian investors are now looking beyond domestic markets to build stronger and more diversified portfolios. That is where International Mutual Funds come into play. If you are<a href=\"https:\/\/www.paytmmoney.com\/blog\/international-mutual-fund-investing-abroad-guide\/\">Continue reading <span class=\"sr-only\">&#8220;International Mutual Funds Explained: Your Guide to Investing Abroad&#8221;<\/span><\/a><\/p>\n","protected":false},"author":51,"featured_media":6416,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[827,6],"tags":[1013,1016,1015,1010,1017,1011,1008,1009,1014,1012],"class_list":["post-6415","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds","category-personal-finance","tag-currency-risk-in-mutual-funds","tag-foreign-investment-through-mutual-funds","tag-global-diversification","tag-global-mutual-funds","tag-international-equity-funds","tag-international-fund-of-funds","tag-international-mutual-fund","tag-investing-abroad","tag-taxation-of-international-mutual-funds","tag-us-equity-mutual-funds"],"_links":{"self":[{"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/posts\/6415","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/users\/51"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/comments?post=6415"}],"version-history":[{"count":0,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/posts\/6415\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/media\/6416"}],"wp:attachment":[{"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/media?parent=6415"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/categories?post=6415"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/tags?post=6415"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}