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A Collective Investment Scheme (CIS) is a way for many people to pool their money together and invest in different types of assets like stocks, bonds, or real estate. This shared investment allows individuals to access opportunities that they might not be able to afford or manage on their own. The money collected is then managed by a professional fund manager who makes decisions about where to invest the pooled funds, aiming to grow the money over time.

In India, CIS is regulated by the Securities and Exchange Board of India (SEBI), ensuring transparency and protection for investors. These schemes are usually offered by mutual funds, which allow you to invest in a wide range of assets without having to manage each one yourself.

For example, if you and your friends want to invest in stocks, you can pool your money into a mutual fund that invests in different companies. The fund manager decides which stocks to buy, and if the stocks do well, everyone benefits from the profits based on how much they invested.

CIS is beneficial because it helps spread the risk of investing. Instead of putting all your money in one place, it’s spread across different investments, reducing the chance of losing everything if one investment doesn’t perform well. It’s a great way for beginners to get started with investing without needing too much knowledge or experience.

In summary, Collective Investment Schemes allow people to invest together, share risks, and benefit from professional management of their funds. This is a simple and effective way for anyone, even beginners, to start growing their money.