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What is SIP ?
A Systematic Investment Plan (SIP) is a method that allows individuals to regularly invest a fixed amount in a mutual fund scheme, such as monthly or quarterly, instead of a lumpsum. This method encourages disciplined savings and makes investing more manageable, while regular contributions help you benefit from market growth and build wealth over time.
Power of Starting SIP Early
The earlier you start, the greater your potential returns. Take a look at the example to see how starting early can significantly impact your investment growth.
Suppose you start investing ₹10,000 monthly through SIP at an age of 35 till the age of 60, and you are expecting a return of 12%. Now, let’s see how this differs if you had started the same investment early at an age of 25 till the age of 60.
| Age | Monthly Investment | Tenure (in Yrs) | Invested Amount | Estimated Returns |
|---|---|---|---|---|
| 25 | ₹10,000 | 35 | ₹42 lakh | ₹6.08 crore |
| 35 | ₹10,000 | 25 | ₹30 lakh | ₹1.06 crore |
Investing ₹10,000 per month for 25 years can grow to approximately ₹1.06 crore. However, if you start 10 years earlier, the same investment can yield around ₹6.08 crore in returns.
Disclaimer: * Based on an assumed rate of return(s) of 12%, the above Investment calculation is for illustration purpose only. It should not be construed as a promise on minimum returns and safeguard of capital. KMAMC is not guaranteeing or promising, or forecasting any returns. SIP does not assure a profit or guarantee protection against loss in a declining market. The examples do not purport to represent the performance of any security or Investments. In view of the Individual nature of tax consequences, each investor is advised to consult his or her, professional tax advisor
6 Jan 2025
20 Jan 2025
Investment Theme
Index Fund
Risk
Very High Risk Investment Theme
Multicap
Risk
Very High Risk Investment Theme
Index Funds
Risk
Very High Risk Investment Theme
Large & Mid Cap
Risk
Very High Risk Investment Theme
Index Funds
Risk
Very High Risk Investment Theme
Contra
Risk
Very High Risk Investment Theme
ELSS
Risk
Very High Risk Investment Theme
Consumption
Risk
Very High Risk Investment Theme
Thematic
Risk
Very High Risk Investment Theme
Healthcare
Risk
Very High Risk
SIP Calculator: Plan your SIP Investment
A SIP calculator is an online tool that helps individuals estimate the returns on their mutual fund investments made via SIP. Simply enter the monthly investment amount, expected rate of return and investment duration and get instant results!
SIP helps automate your savings and is a smarter way to achieve your dreams.
Goal-based SIP Investing
In a goal-based investment approach, you align your investments with specific financial goals. You need to identify the amount needed and the timeframe for each goal so that you can effectively determine how much to invest in your SIP.
Tax Saving
If you want to avail tax benefits under Section 80C and Section 10(10D) of Income Tax Act 1961, invest in an ELSS (Equity-linked saving scheme).
Manage Idle Cash
Consider SIPs if you want to effectively manage and grow your idle cash.
Child Education
Make sure you have the required funds when it comes to your child's higher education by investing in SIP.
Retirement Planner
Use SIPs to build a substantial retirement corpus and help secure your future.
Benefits of Investing in SIP Mutual Funds
Take a look at the benefits of investing in SIP mutual funds.
Power of Compounding
The small regular investments may grow into a substantial corpus through your contributions and compounded returns. The power of compounding helps you earn interest on both your initial investment and the interest it has already earned, accelerating your returns.
Disciplined Investment Approach
Unlike lumpsum investments, which require market knowledge, SIPs eliminate the need for constant market analysis. They promote financial discipline through regular and consistent investments.
Rupee Cost Averaging
SIPs reduce market volatility impact through rupee cost averaging, where you buy more units when prices are low and fewer when prices are high. This balances your overall investment cost over time.
Flexibility and Convenience
SIPs provide a flexible investment approach, allowing investors to adjust their contributions based on their financial goals. This helps tailor investments to match individual risk profiles and preferences.
