Best SIP to Invest for 10 Years

The Systematic Investment Plan or SIP allows you to choose a mutual fund plan and invest a fixed amount periodically. The fixed amount can start from INR 500 and the intervals can be yearly, half-yearly, quarterly, or monthly. SIPs provide investors with an upper hand over the market dynamics for long-term wealth creation. Also, it helps the investor to develop a habit of saving. The SIP investment route is hassle-free and eliminates the need to worry and hurry at the eleventh hour.

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What are the Best SIPs to Invest in for 10 Years?

  1. Aditya Birla Sun Life Digital India Fund

    Investment objective: Aditya Birla Sun Life Digital India Fund is a multi-sector, open-ended growth scheme whose objective is long-term capital growth with 100% target allocation through the portfolio. 

    It focuses on investing in technology and technology-based sectors, hardware, software, telecom, media, internet, e-commerce, peripheral and components, and such companies. The secondary objective of this scheme is to generate income and distribute dividends.

    • Aditya Birla Sun Life Digital India Fund is an equity-sector-based scheme launched on 15th January 2000. 

    • This fund carries a high risk and offers an annualized return of 12.9% since its start. It is ranked 33 in the sectoral category.

  2. Franklin India Technology Fund

    Investment objective: To generate a long-term capital appreciation by predominantly investing in equity and equity-based securities of technology and technology-related companies.

    • Franklin India Technology Fund is an equity-sectoral fund that was launched on 22nd August 1998. 

    • This fund contains high risk and gives an annualized return of 20.2% from the beginning.

    • It is ranked 41 in the sectorial list.

  3. ICICI Prudential Technology Fund

    Investment objective: To generate long-term capital from a portfolio of equity and equity-related securities of technology-intensive companies.

    • ICICI Prudential Technology Fund is an equity-sectorial fund launched on 3rd March 2000. 

    • It has a high risk involved but an annualized return of 13.8% since the launch. 

    • ICICI Prudential Technology Fund is ranked 37 in the sectorial category.

  4. PGIM India Global Agribusiness Offshore Fund

    Investment objective: the primary objective of this scheme is to deliver long-term capital growth by investing predominantly in units of overseas mutual funds. These mutual funds would focus on agriculture and agriculture-based business and development sectors.

    • PGIM India Global Agribusiness Offshore Fund was launched on 14th May 2010. 

    • It is a high-risk fund and offers an annualized return of 12.9% since its launch.

    • It ranked 33 in the fund of fund category.

  5. SBI Technology Opportunities Fund

    Investment objective: SBI Technology Opportunities Fund aims to provide maximum possible growth opportunities to the investors through equity investment using stocks of the economy's growth-oriented sectors.

    • SBI Technology Opportunities Fund is an equity-sectoral fund that was launched on 9th January 2013. 

    • It has a high risk and provides an annualized return of 24.5% consistently.

  6. TATA Digital India Fund

    Investment objective: To generate a long-term capital appreciation by investing at least about 80% of the net shares in equity or equity-related instruments in the Information Technology sector. 

    However, the Tata Digital India Fund Scheme does not provide the investor with any guarantee or assurance that the investment objective can be achieved.

    • TATA Digital India Fund is an equity sector fund launched on 28th December 2015. 

    • This fund possesses a high risk and gives an annualized return of 26% since its launch. 

How to Choose the SIP to Invest in?

Here are some of the parameters that you need to look into before choosing a scheme through SIP:

  1. Investment objective

    Whether your goal is short-term or long-term, you can choose debt and money market funds or equity funds, respectively. Make sure to assess the risk and returns and align it with your objective before proceeding to apply.

  2. Know the fund house

    While choosing, gain a good idea of the houses in your options before picking them up because they will make decisions for your investment on your behalf.

  3. Performance of the fund

    The ultimate goal is to fetch good results. Study the returns for the previous years and compare them with other funds. 

What are the Benefits of Investing in SIPs?

Some other benefits of investing in SIPs are as follows:

  1. Power of compounding

    After several years, a small amount of money invested at the beginning of the investment will give you a huge return. This is called compounding. Hence, you can get a large sum by investing in the long-term with small but regular investments.

  2. Rupee Cost Averaging 

    SIPs help in averaging the Cost return ratio. This means, through SIPs, regular investors who invest small amounts can harvest huge profits than those who invest a large amount at the same time.

  3. Automated payments

    It is natural for a regular investor to miss out on payment once in a while. But when it comes to SIP, you need not worry about this because your monthly payment shall be auto-debited from your bank account automatically on the predefined date. 

  4. Emergency use

    SIPs provide you with a facility where you can withdraw money when and where necessary. In case of emergencies, you can make a one-step withdrawal anytime.

In Conclusion

The top 6 fund houses that provide the best SIP to invest for 10 years are discussed above with their investment objective, the type of investment, and other features. To analyze the performance of each fund, you can study the benchmark index. 

Through SIPs, you can hassle-freely invest your money in a fund of your choice. Choose them carefully with the help of the given parameters and ensure you don't regret it in the future.

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