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Best Mutual Funds for SIP 2019 | Best Performing SIP Online

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Best Mutual Funds for SIP 2019

Updated on April 15, 2019 , 1695 views

SIP or Systematic Investment plan is one of the best ways to invest in Mutual Funds. It is a smart and hassle-free mode of Investing your money in Mutual Fund schemes. Here, you can invest a certain pre-determined amount at a regular interval (monthly/quarterly, etc.). As you can start your SIP investment with just INR 500, it makes the most affordable means of investment. Your money is auto-debited from your bank account and invested into the scheme, which indirectly creates a habit of savings in the long-run. SIP investments are a great way to plan your Financial goals. You need to set a specific goal and estimate the time and amount required to fulfil it. Below are the best mutual funds for SIP based on the investment tenure and risk appetite. Investors can target their investment goals and achieve them on time by investing in these schemes.

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SIP

Top Mutual Funds for SIP Investment FY 19 - 20

Best Equity SIP Funds— For Long Term Wealth Creation

Equity Funds are expected to deliver high returns in the long-run, but are risky funds. Investors who can invest for more than 5 years are advised to invest in equity funds. One can also plan their long-term financial goals by investing in these funds.

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2018 (%)
DSP BlackRock US Flexible Equity Fund Growth ₹25.1096
↑ 0.13
₹216 500 7.7-3.612.813.711.5-1.1
ICICI Prudential Banking and Financial Services Fund Growth ₹66.48
↑ 0.43
₹2,604 100 7.62011.925.722.8-0.4
Mirae Asset India Equity Fund  Growth ₹51.761
↑ 0.38
₹10,560 1,000 7.511.111.117.918.6-0.6
Kotak Standard Multicap Fund Growth ₹35.787
↑ 0.33
₹21,682 500 7.8128.316.719-0.9
Franklin Build India Fund Growth ₹43.0682
↑ 0.23
₹1,122 500 8.716.26.915.222-10.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 Apr 19

Best Debt SIP Funds— To Earn Optimal Returns

Debt fund are a good way to secure your money and generate average consistent returns. Investors who are looking for stable returns or those who want to invest for less than three years should consider investing in these funds.

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2018 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹26.373
↑ 0.00
₹16,712 500 2.35.39.28.98.79.53%4M 20D5M 27D
Franklin India Low Duration Fund Growth ₹21.765
↓ -0.03
₹6,875 500 2.158.58.98.410.35%8M 16D10M 6D
Aditya Birla Sun Life Money Manager Fund Growth ₹251.086
↑ 0.01
₹7,690 1,000 2.14.38.37.57.97.45%4M 10D4M 10D
Franklin India Dynamic Accrual Fund Growth ₹66.5937
↓ -0.06
₹3,789 500 1.65.58.29.18.411.19%1Y 10M 6D2Y 5M 29D
Aditya Birla Sun Life Savings Fund Growth ₹370.331
↑ 0.08
₹14,018 1,000 2.14.587.97.68.39%3M 22D4M 2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 Apr 19

Best Balanced Funds— Earn Stable Returns + Create Long Term Wealth

Balanced Fund invest their money both in equity and debt funds. These are less volatile than pure equity Mutual Funds. Balanced funds deliver superior returns over a period of more than three years. Investors who want to invest in equity funds, balanced funds are a great way to start off with.

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2018 (%)
ICICI Prudential MIP 25 Growth ₹42.7289
↑ 0.04
₹1,589 100 2.96.26.910.311.65.1
Edelweiss Arbitrage Fund Growth ₹13.7436
↑ 0.00
₹2,846 500 1.52.966.2 6.1
SBI Debt Hybrid Fund Growth ₹39.7834
↑ 0.11
₹1,226 500 4.17.43.27.49.5-0.2
Principal Hybrid Equity Fund Growth ₹78.46
↑ 0.31
₹1,638 500 4.16.32.81615.1-1.5
Aditya Birla Sun Life Regular Savings Fund Growth ₹39.0601
↑ 0.08
₹2,316 500 2.64.80.98.611.1-2.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 Apr 19

1. Reliance Us Equity Opportunites Fund

The primary investment objective of Reliance US Equity Opportunities Fund is to provide long term capital appreciation to investors by primarily investing in equity and equity related securities of companies listed on recognized stock exchanges in the US and the secondary objective is to generate consistent returns by investing in debt and money market securities in India. However, there can be no assurance or guarantee that the investment objective of the scheme will be achieved.

Reliance Us Equity Opportunites Fund is a Equity - Global fund was launched on 23 Jul 15. It is a fund with High risk and has given a CAGR/Annualized return of 11.9% since its launch.  Return for 2018 was 7.7% , 2017 was 16.9% and 2016 was 8.2% .

Below is the key information for Reliance Us Equity Opportunites Fund

Reliance Us Equity Opportunites Fund
Growth
Launch Date 23 Jul 15
NAV (16 Apr 19) ₹15.2384 ↓ -0.01   (-0.08 %)
Net Assets (Cr) ₹34 on 28 Feb 19
Category Equity - Global
AMC Reliance Nippon Life Asset Management Ltd.
Rating Not Rated
Risk High
Expense Ratio 2.81
Sharpe Ratio 0.8
Information Ratio -0.07
Alpha Ratio 3.35
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Mar 16₹9,996
31 Mar 17₹11,020
31 Mar 18₹12,533
31 Mar 19₹15,388

Reliance Us Equity Opportunites Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579
Invest Now

Returns for Reliance Us Equity Opportunites Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Apr 19

DurationReturns
1 Month 3.1%
3 Month 8.5%
6 Month 1.2%
1 Year 21.9%
3 Year 15.6%
5 Year
10 Year
15 Year
Since launch 11.9%
Historical performance (Yearly) on absolute basis
YearReturns
2018 7.7%
2017 16.9%
2016 8.2%
2015
2014
2013
2012
2011
2010
2009
Fund Manager information for Reliance Us Equity Opportunites Fund
NameSinceTenure
Anju Chhajer23 Jul 153.53 Yr.
Kinjal Desai25 May 180.69 Yr.

Data below for Reliance Us Equity Opportunites Fund as on 28 Feb 19

Equity Sector Allocation
SectorValue
Consumer Cyclical21.81%
Health Care19.66%
Technology18.71%
Financial Services15.33%
Energy5.48%
Asset Allocation
Asset ClassValue
Cash19.01%
Equity80.99%
Other0%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Triparty Repo
CBLO/Reverse Repo | -
19%₹7 Cr
Mastercard Inc A (Financial Services)
Equity, Since 31 Jul 15 | MA
8%₹3 Cr1,683
IQVIA Holdings Inc (Healthcare)
Equity, Since 28 Feb 17 | IQV
7%₹2 Cr2,385
O'Reilly Automotive Inc (Consumer Cyclical)
Equity, Since 30 Nov 17 | ORLY
6%₹2 Cr786
Visa Inc Class A (Financial Services)
Equity, Since 31 Jan 17 | V
6%₹2 Cr1,845
Enbridge Inc (Energy)
Equity, Since 31 Jan 18 | ENB
5%₹2 Cr7,758
Lowe's Companies Inc (Consumer Cyclical)
Equity, Since 30 Sep 16 | LOW
5%₹2 Cr2,458
Booking Holdings Inc (Consumer Cyclical)
Equity, Since 31 Jul 15 | BKNG
5%₹2 Cr154
Facebook Inc A (Technology)
Equity, Since 31 Oct 16 | FB
5%₹2 Cr1,540
Alphabet Inc A (Technology)
Equity, Since 31 Jul 15 | GOOGL
5%₹2 Cr215

2. ICICI Prudential US Bluechip Equity Fund

The investment objective of ICICI Prudential US Bluechip Equity Fund is to provide long term capital appreciation to investors by primarily investing in equity and equity related securities (including ADRs/GDRs issued by Indian and foreign companies) of companies listed on New York Stock Exchange and/or NASDAQ. However, there can be no assurance that the investment objective of the Scheme will be realized.

ICICI Prudential US Bluechip Equity Fund is a Equity - Global fund was launched on 6 Jul 12. It is a fund with High risk and has given a CAGR/Annualized return of 16.3% since its launch.  Ranked 7 in Global category.  Return for 2018 was 5.2% , 2017 was 14.1% and 2016 was 11.6% .

Below is the key information for ICICI Prudential US Bluechip Equity Fund

ICICI Prudential US Bluechip Equity Fund
Growth
Launch Date 6 Jul 12
NAV (16 Apr 19) ₹27.78 ↑ 0.18   (0.65 %)
Net Assets (Cr) ₹268 on 28 Feb 19
Category Equity - Global
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.31
Sharpe Ratio 0.73
Information Ratio -0.43
Alpha Ratio 2.34
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-3 Months (3%),3-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Mar 14₹10,000
31 Mar 15₹11,103
31 Mar 16₹11,734
31 Mar 17₹13,008
31 Mar 18₹14,391
31 Mar 19₹17,011

ICICI Prudential US Bluechip Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518
Invest Now

Returns for ICICI Prudential US Bluechip Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Apr 19

DurationReturns
1 Month 3.3%
3 Month 8.9%
6 Month 1.7%
1 Year 20.6%
3 Year 14.1%
5 Year 11.7%
10 Year
15 Year
Since launch 16.3%
Historical performance (Yearly) on absolute basis
YearReturns
2018 5.2%
2017 14.1%
2016 11.6%
2015 0.7%
2014 12.7%
2013 45.7%
2012
2011
2010
2009
Fund Manager information for ICICI Prudential US Bluechip Equity Fund
NameSinceTenure
Rohan Maru19 Sep 135.37 Yr.
Priyanka Khandelwal30 Jun 171.59 Yr.

Data below for ICICI Prudential US Bluechip Equity Fund as on 28 Feb 19

Equity Sector Allocation
SectorValue
Technology22.52%
Health Care17.38%
Consumer Defensive15.29%
Financial Services12.09%
Consumer Cyclical12.05%
Industrials11.27%
Communication Services2.43%
Utility2.01%
Real Estate1.87%
Asset Allocation
Asset ClassValue
Cash3.1%
Equity96.9%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Amazon.com Inc (Consumer Cyclical)
Equity, Since 30 Jun 16 | AMZN
4%₹12 Cr950
↑ 34
Treps
CBLO/Reverse Repo | -
3%₹9 Cr
Caterpillar Inc (Industrials)
Equity, Since 31 Dec 18 | CAT
3%₹7 Cr7,753
↑ 2,148
Guidewire Software Inc (Technology)
Equity, Since 31 Dec 18 | GWRE
3%₹7 Cr10,518
↑ 2,709
Facebook Inc A (Technology)
Equity, Since 31 Jan 18 | FB
3%₹7 Cr6,122
↑ 1,231
Applied Materials Inc (Technology)
Equity, Since 30 Sep 18 | AMAT
3%₹7 Cr25,489
↑ 6,292
Mondelez International Inc Class A (Consumer Defensive)
Equity, Since 31 Mar 17 | MDLZ
3%₹7 Cr19,870
Alphabet Inc Class C (Technology)
Equity, Since 31 Jan 18 | GOOG
3%₹7 Cr842
Microchip Technology Inc (Technology)
Equity, Since 31 Dec 17 | MCHP
3%₹7 Cr11,778
↑ 891
Emerson Electric Co (Industrials)
Equity, Since 31 Dec 18 | EMR
2%₹7 Cr13,928
↑ 3,128

3. Franklin India Feeder - Franklin U S Opportunities Fund

The Fund seeks to provide capital appreciation by investing predominantly in units of Franklin U. S. Opportunities Fund, an overseas Franklin Templeton mutual fund, which primarily invests in securities in the United States of America.

Franklin India Feeder - Franklin U S Opportunities Fund is a Equity - Global fund was launched on 6 Feb 12. It is a fund with High risk and has given a CAGR/Annualized return of 17.1% since its launch.  Ranked 6 in Global category.  Return for 2018 was 6.5% , 2017 was 18.1% and 2016 was -0.8% .

Below is the key information for Franklin India Feeder - Franklin U S Opportunities Fund

Franklin India Feeder - Franklin U S Opportunities Fund
Growth
Launch Date 6 Feb 12
NAV (16 Apr 19) ₹31.1643 ↑ 0.04   (0.14 %)
Net Assets (Cr) ₹789 on 28 Feb 19
Category Equity - Global
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk High
Expense Ratio 1.88
Sharpe Ratio 0.57
Information Ratio -0.24
Alpha Ratio -0.59
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-3 Years (1%),3 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Mar 14₹10,000
31 Mar 15₹12,053
31 Mar 16₹11,639
31 Mar 17₹12,995
31 Mar 18₹15,354
31 Mar 19₹18,198

Franklin India Feeder - Franklin U S Opportunities Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080
Invest Now

Returns for Franklin India Feeder - Franklin U S Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Apr 19

DurationReturns
1 Month 4.3%
3 Month 11.8%
6 Month 0.1%
1 Year 18.5%
3 Year 16.5%
5 Year 13.6%
10 Year
15 Year
Since launch 17.1%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.5%
2017 18.1%
2016 -0.8%
2015 8.8%
2014 8.4%
2013 55.2%
2012
2011
2010
2009
Fund Manager information for Franklin India Feeder - Franklin U S Opportunities Fund
NameSinceTenure
Srikesh Nair2 May 162.83 Yr.

Data below for Franklin India Feeder - Franklin U S Opportunities Fund as on 28 Feb 19

Equity Sector Allocation
SectorValue
Technology33.11%
Financial Services17.42%
Health Care13.93%
Consumer Cyclical10.07%
Industrials9.95%
Communication Services4.51%
Consumer Defensive3.65%
Real Estate1.97%
Basic Materials1.65%
Energy0.8%
Asset Allocation
Asset ClassValue
Cash0.06%
Equity97.08%
Other2.86%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Franklin US Opportunities I(acc)USD
Investment Fund | -
100%₹797 Cr2,536,145
↑ 25,101
Call, Cash & Other Assets
Receivables | -
0%₹1 Cr

4. TATA Digital India Fund

The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in Information Technology Sector in India.However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved.The Scheme does not assure or guarantee any returns.

TATA Digital India Fund is a Equity - Sectoral fund was launched on 28 Dec 15. It is a fund with High risk and has given a CAGR/Annualized return of 13.2% since its launch.  Return for 2018 was 24.9% , 2017 was 19.6% and 2016 was -6% .

Below is the key information for TATA Digital India Fund

TATA Digital India Fund
Growth
Launch Date 28 Dec 15
NAV (16 Apr 19) ₹15.0674 ↓ -0.01   (-0.06 %)
Net Assets (Cr) ₹422 on 28 Feb 19
Category Equity - Sectoral
AMC Tata Asset Management Limited
Rating Not Rated
Risk High
Expense Ratio 2.86
Sharpe Ratio 0.83
Information Ratio -0.01
Alpha Ratio -3.86
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-3 Months (0.25%),3 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Mar 16₹10,418
31 Mar 17₹9,403
31 Mar 18₹12,130
31 Mar 19₹14,993

TATA Digital India Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080
Invest Now

Returns for TATA Digital India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Apr 19

DurationReturns
1 Month 0.8%
3 Month 4.5%
6 Month 3.6%
1 Year 18.2%
3 Year 13.5%
5 Year
10 Year
15 Year
Since launch 13.2%
Historical performance (Yearly) on absolute basis
YearReturns
2018 24.9%
2017 19.6%
2016 -6%
2015
2014
2013
2012
2011
2010
2009
Fund Manager information for TATA Digital India Fund
NameSinceTenure
Sailesh Jain9 Nov 180.23 Yr.
Meeta Shetty9 Nov 180.23 Yr.

Data below for TATA Digital India Fund as on 28 Feb 19

Equity Sector Allocation
SectorValue
Technology93.01%
Asset Allocation
Asset ClassValue
Cash6.58%
Equity93.42%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 31 Jan 16 | INFY
30%₹130 Cr1,747,000
↓ -58,186
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Jan 16 | TCS
16%₹67 Cr335,000
↓ -22,200
Tech Mahindra Ltd (Technology)
Equity, Since 30 Apr 16 | 532755
9%₹40 Cr517,700
Larsen & Toubro Infotech Ltd (Technology)
Equity, Since 30 Jun 18 | 540005
6%₹26 Cr150,000
↑ 58,000
NIIT Technologies Ltd (Technology)
Equity, Since 31 Jan 16 | 532541
5%₹23 Cr170,000
Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 16 | PERSISTENT
5%₹22 Cr351,200
Wipro Ltd (Technology)
Equity, Since 31 Jul 18 | 507685
5%₹22 Cr866,666
↑ 02
A) Repo
CBLO/Reverse Repo | -
5%₹20 Cr
Cyient Ltd (Technology)
Equity, Since 31 Dec 17 | CYIENT
4%₹18 Cr284,500
HCL Technologies Ltd (Technology)
Equity, Since 31 Jan 16 | HCLTECH
4%₹16 Cr150,000

5. SBI Technology Opportunities Fund

(Erstwhile SBI IT Fund)

To provide the investors maximum growth opportunity through equity investments in stocks of growth oriented sectors of the economy.

SBI Technology Opportunities Fund is a Equity - Sectoral fund was launched on 9 Jan 13. It is a fund with High risk and has given a CAGR/Annualized return of 18.3% since its launch.  Ranked 42 in Sectoral category.  Return for 2018 was 17.1% , 2017 was 13% and 2016 was -3.3% .

Below is the key information for SBI Technology Opportunities Fund

SBI Technology Opportunities Fund
Growth
Launch Date 9 Jan 13
NAV (16 Apr 19) ₹65.5571 ↓ -0.01   (-0.02 %)
Net Assets (Cr) ₹146 on 28 Feb 19
Category Equity - Sectoral
AMC SBI Funds Management Private Limited
Rating
Risk High
Expense Ratio 3.17
Sharpe Ratio 0.71
Information Ratio 0.28
Alpha Ratio -0.29
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-15 Days (0.5%),15 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Mar 14₹10,000
31 Mar 15₹14,031
31 Mar 16₹13,565
31 Mar 17₹13,074
31 Mar 18₹15,975
31 Mar 19₹18,722

SBI Technology Opportunities Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080
Invest Now

Returns for SBI Technology Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Apr 19

DurationReturns
1 Month 2.2%
3 Month 5%
6 Month 6.5%
1 Year 16.8%
3 Year 12.4%
5 Year 13.6%
10 Year
15 Year
Since launch 18.3%
Historical performance (Yearly) on absolute basis
YearReturns
2018 17.1%
2017 13%
2016 -3.3%
2015 2.4%
2014 29.2%
2013
2012
2011
2010
2009
Fund Manager information for SBI Technology Opportunities Fund
NameSinceTenure
Anup Upadhyay1 Jun 117.68 Yr.

Data below for SBI Technology Opportunities Fund as on 28 Feb 19

Equity Sector Allocation
SectorValue
Technology88.37%
Communication Services7.19%
Consumer Cyclical0.44%
Asset Allocation
Asset ClassValue
Cash4.01%
Equity95.99%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 31 Jan 03 | INFY
27%₹41 Cr551,742
HCL Technologies Ltd (Technology)
Equity, Since 31 Mar 06 | HCLTECH
9%₹13 Cr119,837
↑ 6,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 18 | BHARTIARTL
7%₹11 Cr323,104
Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 06 | TCS
6%₹10 Cr48,262
Tech Mahindra Ltd (Technology)
Equity, Since 31 Aug 15 | 532755
6%₹10 Cr124,352
Info Edge (India) Ltd (Technology)
Equity, Since 31 Aug 17 | NAUKRI
6%₹8 Cr45,630
Cyient Ltd (Technology)
Equity, Since 30 Sep 15 | CYIENT
5%₹8 Cr122,620
Treps
CBLO/Reverse Repo | -
5%₹8 Cr
Cognizant Technology Solutions Corp A (Technology)
Equity, Since 30 Nov 16 | CTSH
5%₹7 Cr14,677
NIIT Technologies Ltd (Technology)
Equity, Since 31 Oct 18 | 532541
5%₹7 Cr51,565

Benefits of Investing in SIP

Some of the major advantages of investing in a SIP are as follows:

Rupee Cost Averaging

Most investors are skeptical about the best time to invest in the market. They are worried about the volatile markets. But, rupee cost averaging breaks all the worries. Since you become a regular investor with a SIP, your money fetches more units when the price of shares is low and lesser when the price is high. During the volatile cycle, it may allow you to achieve a lower average cost per unit. Thus, the positives of investing through a SIP becomes quite evident in the times of market fluctuations.

Power of Compounding

SIPs work on Power of Compounding. Investors can put in a small amount of money and can see how the value increase over time. The longer you stay invested, the greater the value of your investment becomes. As, the returns earned at regular intervals are reinvested in the fund, investors get a return on the return. And the same cycle continues for years. To benefit the most out of the power of compounding, investors should start a savings at an early age to make the most out of it.

No Need to Time the Market

With a SIP, investors don’t need to worry about the market timings. SIP helps investors ride the market volatility by averaging out the cost as they invest a fixed sum regularly at various levels.

Easy Way to Achieve Financial Goals

As you become a regular investor via a SIP, you can easily plan your financial goals. For example, if your short-term goal is buying a car in 2 years, then you can invest in debt funds, and if you have set Retirement planning as your long-term goal then, you should invest in equity funds via a SIP. SIPs also create a regular habit of savings over the long-run. Investors who want to avail all the benefits in their investments should take a SIP route in Mutual Funds.

SIP Return Calculator or Mutual Fund Calculator

A sip calculator is the smartest tool to use while investing in Mutual Funds. It helps to determine the expected returns on your SIP investment. You can calculate the amount required for your investment and time period that you need to stay invested to reach the particular financial goal.

When using a SIP calculator, one has to fill certain variables, that includes-

  • Investment amount
  • The desired investment duration
  • Expected Inflation rate (annual) for the years to come
  • Long-term growth rate on investments

Once you feed all the above-mentioned information, the calculator will estimate the amount that you will receive after your investment tenure, along with the net profit that you will earn.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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