SIP म्युच्युअल फंड (किंवाशीर्ष 10 SIP म्युच्युअल फंड) हे फंड आहेत जे स्टॉकच्या अपरिहार्य चढ-उतार दरम्यान चिंताग्रस्त विक्री टाळण्यासाठी नियतकालिक गुंतवणुकीच्या साध्या सूत्राचे पालन करतातबाजार. सामान्यतः, SIP किंवा पद्धतशीरगुंतवणूक योजना एक आहेगुंतवणूक म्युच्युअल फंडात पैसे गुंतवण्याची पद्धत. शीर्ष 10 SIP म्युच्युअल फंडांमध्ये गुंतवणूक केल्याने तुमच्या गुंतवणुकीसाठी पद्धतशीर आणि शिस्तबद्ध दृष्टीकोन येतो. हे व्यवस्थापित करण्याचा तुमचा प्रयत्न कमी करतेएसआयपी गुंतवणूक.
SIP चे लाभ देतेकंपाउंडिंगची शक्ती कालांतराने इच्छित परतावा मिळवून देतो. वेगवेगळे आहेतम्युच्युअल फंडाचे प्रकार SIP साठी ज्यात इक्विटी, कर्ज, संतुलित आणि अति-अल्पकालीन निधी. तथापि,इक्विटी म्युच्युअल फंड SIP द्वारे गुंतवणूक केल्यावर जास्तीत जास्त परतावा देतात.
आर्थिक सल्लागार सुचवा की गुंतवणूकदारांनी गुंतवणूक करावीसर्वोत्तम म्युच्युअल फंड SIP साठीआधार त्यांची गुंतवणूक उद्दिष्टे आणि SIP गुंतवणुकीचा कालावधी.
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Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) DSP World Gold Fund Growth ₹37.6022
↑ 1.27 ₹1,212 500 21.2 61.7 73.3 43.3 12.2 15.9 Aditya Birla Sun Life Gold Fund Growth ₹30.8711
↑ 0.37 ₹663 100 8.6 23 46.1 26.1 14.2 18.7 IDBI Gold Fund Growth ₹27.7186
↑ 0.52 ₹214 500 9 23.4 45.7 26.6 14.4 18.7 ICICI Prudential Regular Gold Savings Fund Growth ₹32.861
↑ 0.49 ₹2,384 100 8.5 23.2 45.3 26.2 14.2 19.5 HDFC Gold Fund Growth ₹31.6837
↑ 0.44 ₹4,537 300 8.5 23.1 45.1 26.2 14.3 18.9 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund Aditya Birla Sun Life Gold Fund IDBI Gold Fund ICICI Prudential Regular Gold Savings Fund HDFC Gold Fund Point 1 Lower mid AUM (₹1,212 Cr). Bottom quartile AUM (₹663 Cr). Bottom quartile AUM (₹214 Cr). Upper mid AUM (₹2,384 Cr). Highest AUM (₹4,537 Cr). Point 2 Oldest track record among peers (17 yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (13+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Not Rated. Rating: 1★ (lower mid). Rating: 1★ (bottom quartile). Point 4 Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 12.16% (bottom quartile). 5Y return: 14.24% (lower mid). 5Y return: 14.43% (top quartile). 5Y return: 14.18% (bottom quartile). 5Y return: 14.25% (upper mid). Point 6 3Y return: 43.26% (top quartile). 3Y return: 26.09% (bottom quartile). 3Y return: 26.63% (upper mid). 3Y return: 26.21% (lower mid). 3Y return: 26.16% (bottom quartile). Point 7 1Y return: 73.30% (top quartile). 1Y return: 46.08% (upper mid). 1Y return: 45.70% (lower mid). 1Y return: 45.27% (bottom quartile). 1Y return: 45.11% (bottom quartile). Point 8 Alpha: 2.80 (top quartile). 1M return: 7.66% (lower mid). 1M return: 7.75% (upper mid). 1M return: 7.50% (bottom quartile). 1M return: 7.32% (bottom quartile). Point 9 Sharpe: 1.56 (bottom quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 0.00 (bottom quartile). Point 10 Information ratio: -0.56 (bottom quartile). Sharpe: 2.62 (top quartile). Sharpe: 2.25 (bottom quartile). Sharpe: 2.50 (upper mid). Sharpe: 2.50 (lower mid). DSP World Gold Fund
Aditya Birla Sun Life Gold Fund
IDBI Gold Fund
ICICI Prudential Regular Gold Savings Fund
HDFC Gold Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) DSP World Gold Fund Growth ₹37.6022
↑ 1.27 ₹1,212 500 21.2 61.7 73.3 43.3 12.2 15.9 SBI PSU Fund Growth ₹31.1097
↑ 0.11 ₹5,278 500 -2.2 16.9 -9 29.7 29.4 23.5 Invesco India PSU Equity Fund Growth ₹61.56
↑ 0.17 ₹1,391 500 -3.5 23.4 -9.8 28.9 27.5 25.6 Motilal Oswal Midcap 30 Fund Growth ₹105.258
↑ 0.85 ₹33,609 500 5.9 18.4 1.7 28.6 33.4 57.1 Franklin India Opportunities Fund Growth ₹254.189
↓ -0.21 ₹7,376 500 3.5 19.4 -0.3 28.4 28.3 37.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund SBI PSU Fund Invesco India PSU Equity Fund Motilal Oswal Midcap 30 Fund Franklin India Opportunities Fund Point 1 Bottom quartile AUM (₹1,212 Cr). Lower mid AUM (₹5,278 Cr). Bottom quartile AUM (₹1,391 Cr). Highest AUM (₹33,609 Cr). Upper mid AUM (₹7,376 Cr). Point 2 Established history (17+ yrs). Established history (15+ yrs). Established history (15+ yrs). Established history (11+ yrs). Oldest track record among peers (25 yrs). Point 3 Top rated. Rating: 2★ (bottom quartile). Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 12.16% (bottom quartile). 5Y return: 29.37% (upper mid). 5Y return: 27.50% (bottom quartile). 5Y return: 33.41% (top quartile). 5Y return: 28.33% (lower mid). Point 6 3Y return: 43.26% (top quartile). 3Y return: 29.66% (upper mid). 3Y return: 28.94% (lower mid). 3Y return: 28.62% (bottom quartile). 3Y return: 28.40% (bottom quartile). Point 7 1Y return: 73.30% (top quartile). 1Y return: -8.98% (bottom quartile). 1Y return: -9.79% (bottom quartile). 1Y return: 1.66% (upper mid). 1Y return: -0.30% (lower mid). Point 8 Alpha: 2.80 (lower mid). Alpha: 0.19 (bottom quartile). Alpha: 5.70 (top quartile). Alpha: 3.70 (upper mid). Alpha: 1.79 (bottom quartile). Point 9 Sharpe: 1.56 (top quartile). Sharpe: -0.78 (bottom quartile). Sharpe: -0.57 (bottom quartile). Sharpe: -0.11 (upper mid). Sharpe: -0.30 (lower mid). Point 10 Information ratio: -0.56 (bottom quartile). Information ratio: -0.27 (lower mid). Information ratio: -0.30 (bottom quartile). Information ratio: 0.44 (upper mid). Information ratio: 1.83 (top quartile). DSP World Gold Fund
SBI PSU Fund
Invesco India PSU Equity Fund
Motilal Oswal Midcap 30 Fund
Franklin India Opportunities Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) DSP World Gold Fund Growth ₹37.6022
↑ 1.27 ₹1,212 500 21.2 61.7 73.3 43.3 12.2 15.9 SBI PSU Fund Growth ₹31.1097
↑ 0.11 ₹5,278 500 -2.2 16.9 -9 29.7 29.4 23.5 Invesco India PSU Equity Fund Growth ₹61.56
↑ 0.17 ₹1,391 500 -3.5 23.4 -9.8 28.9 27.5 25.6 Franklin India Opportunities Fund Growth ₹254.189
↓ -0.21 ₹7,376 500 3.5 19.4 -0.3 28.4 28.3 37.3 ICICI Prudential Infrastructure Fund Growth ₹193
↑ 1.40 ₹7,941 100 0 17.8 -2.7 28.2 34.3 27.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund SBI PSU Fund Invesco India PSU Equity Fund Franklin India Opportunities Fund ICICI Prudential Infrastructure Fund Point 1 Bottom quartile AUM (₹1,212 Cr). Lower mid AUM (₹5,278 Cr). Bottom quartile AUM (₹1,391 Cr). Upper mid AUM (₹7,376 Cr). Highest AUM (₹7,941 Cr). Point 2 Established history (17+ yrs). Established history (15+ yrs). Established history (15+ yrs). Oldest track record among peers (25 yrs). Established history (20+ yrs). Point 3 Top rated. Rating: 2★ (bottom quartile). Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Point 5 5Y return: 12.16% (bottom quartile). 5Y return: 29.37% (upper mid). 5Y return: 27.50% (bottom quartile). 5Y return: 28.33% (lower mid). 5Y return: 34.32% (top quartile). Point 6 3Y return: 43.26% (top quartile). 3Y return: 29.66% (upper mid). 3Y return: 28.94% (lower mid). 3Y return: 28.40% (bottom quartile). 3Y return: 28.21% (bottom quartile). Point 7 1Y return: 73.30% (top quartile). 1Y return: -8.98% (bottom quartile). 1Y return: -9.79% (bottom quartile). 1Y return: -0.30% (upper mid). 1Y return: -2.73% (lower mid). Point 8 Alpha: 2.80 (upper mid). Alpha: 0.19 (bottom quartile). Alpha: 5.70 (top quartile). Alpha: 1.79 (lower mid). Alpha: 0.00 (bottom quartile). Point 9 Sharpe: 1.56 (top quartile). Sharpe: -0.78 (bottom quartile). Sharpe: -0.57 (bottom quartile). Sharpe: -0.30 (upper mid). Sharpe: -0.42 (lower mid). Point 10 Information ratio: -0.56 (bottom quartile). Information ratio: -0.27 (lower mid). Information ratio: -0.30 (bottom quartile). Information ratio: 1.83 (top quartile). Information ratio: 0.00 (upper mid). DSP World Gold Fund
SBI PSU Fund
Invesco India PSU Equity Fund
Franklin India Opportunities Fund
ICICI Prudential Infrastructure Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Franklin India Opportunities Fund Growth ₹254.189
↓ -0.21 ₹7,376 500 3.5 19.4 -0.3 28.4 28.3 37.3 ICICI Prudential Infrastructure Fund Growth ₹193
↑ 1.40 ₹7,941 100 0 17.8 -2.7 28.2 34.3 27.4 Nippon India Power and Infra Fund Growth ₹342.032
↑ 1.12 ₹7,377 100 0.1 19.6 -7.6 27.6 29.9 26.9 SBI Healthcare Opportunities Fund Growth ₹429.143
↑ 0.38 ₹4,027 500 3 12.1 5.5 26.3 20.5 42.2 DSP India T.I.G.E.R Fund Growth ₹312.937
↑ 1.70 ₹5,406 500 1.6 21 -8.3 26 31.8 32.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Franklin India Opportunities Fund ICICI Prudential Infrastructure Fund Nippon India Power and Infra Fund SBI Healthcare Opportunities Fund DSP India T.I.G.E.R Fund Point 1 Lower mid AUM (₹7,376 Cr). Highest AUM (₹7,941 Cr). Upper mid AUM (₹7,377 Cr). Bottom quartile AUM (₹4,027 Cr). Bottom quartile AUM (₹5,406 Cr). Point 2 Oldest track record among peers (25 yrs). Established history (20+ yrs). Established history (21+ yrs). Established history (20+ yrs). Established history (21+ yrs). Point 3 Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Top rated. Rating: 2★ (bottom quartile). Rating: 4★ (upper mid). Point 4 Risk profile: Moderately High. Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Point 5 5Y return: 28.33% (bottom quartile). 5Y return: 34.32% (top quartile). 5Y return: 29.90% (lower mid). 5Y return: 20.50% (bottom quartile). 5Y return: 31.85% (upper mid). Point 6 3Y return: 28.40% (top quartile). 3Y return: 28.21% (upper mid). 3Y return: 27.57% (lower mid). 3Y return: 26.34% (bottom quartile). 3Y return: 26.03% (bottom quartile). Point 7 1Y return: -0.30% (upper mid). 1Y return: -2.73% (lower mid). 1Y return: -7.61% (bottom quartile). 1Y return: 5.52% (top quartile). 1Y return: -8.26% (bottom quartile). Point 8 Alpha: 1.79 (upper mid). Alpha: 0.00 (lower mid). Alpha: -4.86 (bottom quartile). Alpha: 3.04 (top quartile). Alpha: 0.00 (bottom quartile). Point 9 Sharpe: -0.30 (upper mid). Sharpe: -0.42 (lower mid). Sharpe: -0.65 (bottom quartile). Sharpe: 0.60 (top quartile). Sharpe: -0.65 (bottom quartile). Point 10 Information ratio: 1.83 (top quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 1.02 (upper mid). Information ratio: 0.38 (lower mid). Information ratio: 0.00 (bottom quartile). Franklin India Opportunities Fund
ICICI Prudential Infrastructure Fund
Nippon India Power and Infra Fund
SBI Healthcare Opportunities Fund
DSP India T.I.G.E.R Fund
काहीगुंतवणुकीचे फायदे SIP मध्ये आहेत:
पद्धतशीर गुंतवणूक योजना ऑफर करणारा सर्वात मोठा फायदा म्हणजे रुपयाची किंमत सरासरी जी एखाद्या व्यक्तीला मालमत्ता खरेदीच्या खर्चाची सरासरी काढण्यास मदत करते. म्युच्युअल फंडात एकरकमी गुंतवणूक करताना काही युनिट्सची खरेदी केली जातेगुंतवणूकदार सर्व एकाच वेळी, एसआयपीच्या बाबतीत युनिट्सची खरेदी दीर्घ कालावधीसाठी केली जाते आणि ती मासिक अंतराने (सामान्यतः) समान प्रमाणात पसरविली जाते. कालांतराने गुंतवणुकीचा प्रसार होत असल्यामुळे, गुंतवणूकदाराला सरासरी खर्चाचा फायदा देऊन वेगवेगळ्या किंमतींवर शेअर बाजारात गुंतवणूक केली जाते, त्यामुळे रुपयाची सरासरी किंमत ही संज्ञा आहे.
पद्धतशीर गुंतवणूक योजना चक्रवाढ शक्तीचा लाभ देखील देतात. जेव्हा तुम्ही फक्त मुद्दलावर व्याज मिळवता तेव्हा साधे व्याज असते. चक्रवाढ व्याजाच्या बाबतीत, व्याजाची रक्कम मुद्दलामध्ये जोडली जाते आणि व्याज नवीन मुद्दल (जुने मुद्दल अधिक नफा) वर मोजले जाते. ही प्रक्रिया प्रत्येक वेळी चालू राहते. SIP मधील म्युच्युअल फंड हप्त्यांमध्ये असल्याने, ते चक्रवाढ केले जातात, ज्यामुळे सुरुवातीला गुंतवलेल्या रकमेत अधिक भर पडते.
याशिवाय पद्धतशीर गुंतवणूक योजना हे एक साधे साधन आहेपैसे वाचवा आणि कालांतराने सुरुवातीला कमी गुंतवणुकीमुळे आयुष्यात नंतर मोठ्या रकमेची भर पडेल.
बचत सुरू करण्यासाठी एसआयपी हा जनतेसाठी एक अतिशय परवडणारा पर्याय आहे कारण प्रत्येक हप्त्यासाठी आवश्यक असलेली किमान रक्कम (तेही मासिक!) INR 500 इतकी कमी असू शकते. काही म्युच्युअल फंड कंपन्या "मायक्रोएसआयपी" नावाचे काहीतरी ऑफर देखील करतात जिथे तिकीट आकार INR 100 इतके कमी आहे.
एक पद्धतशीर गुंतवणुकीची योजना दीर्घ कालावधीत पसरलेली असते, हे लक्षात घेता, शेअर बाजारातील सर्व काळ, चढ-उतार आणि त्याहूनही महत्त्वाचे म्हणजे पडझड लक्षात येते. मंदीच्या काळात, जेव्हा बहुतेक गुंतवणूकदारांना भीती वाटते तेव्हा, गुंतवणूकदार “कमी” खरेदी करतात याची खात्री करून SIP हप्ते चालू राहतात.
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