SIP Plans for 12 Years

SIP Investment have become quite famous amongst the investors and have emerged as the new investment option in India that possesses great potential in increasing the financial corpus. By using tools like an SIP Calculator, successful investors have used the power of compounding to grow their money.

Top Performing SIP Mutual Funds in India for 12 years^~

1. Best Equity Funds^≈

   Fund Name	Return 5 Years	Minimum Investment	Return Since Launch	AUM
   Aditya Birla Sun Life Low Duration Fund Regular-Growth	5.68%	₹100	7.17%	₹14,426.16 Crs
   Axis Treasury Advantage Fund Regular-Growth	6.01%	₹100	7.44%	₹7,154.68 Crs
   HDFC Low Duration Fund Regular-Growth	5.92%	₹100	7.08%	₹24,641.27 Crs
   HSBC Low Duration Fund Direct-Growth	6.6%	₹5,000	7.59%	₹848.15 Crs
   ICICI Prudential Active Momentum Fund Direct-Growth	N/A	₹5,000	2.1%	₹1,150.53 Crs
   Kotak Low Duration Fund Direct-Growth	6.49%	₹100	7.97%	₹14,131.32 Crs
   Mahindra Manulife Low Duration Fund Regular - Growth	5.46%	₹1,000	6.06%	₹650.70 Crs
   Mirae Asset Low Duration Fund Regular-Growth	5.56%	₹5,000	6.47%	₹1,971.74 Crs
   Nippon India Low Duration Fund-Growth	5.92%	₹500	7.48%	₹8,860.30 Crs
   Sundaram Low Duration Fund-Growth	7.04%	₹1,000	7.07%	₹516.26 Crs

   Disclaimer: ≈ Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is done in alphabetical order (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

2. Best Debt Funds^≈

   Fund Name	Return 5 Years	Minimum Investment	Return Since Launch	AUM
   DSP Healthcare Fund Regular - Growth	16.96%	₹100	22%	₹3,190.15 Crs
   ICICI Prudential BHARAT 22 FOF Direct - Growth	35.4%	₹5,000	17.77%	₹2,315.59 Crs
   ICICI Prudential India Opportunities Fund Direct - Growth	33.64%	₹5,000	22.66%	₹29,718.06 Crs
   ICICI Prudential Multicap Fund Direct Plan-IDCW	25.1%	₹5,000	16.68%	₹15,523.25 Crs
   ICICI Prudential Ultra Short Term Fund Direct-IDCW Daily	6.44%	₹5,000	8.02%	₹16,382.40 Crs
   Bandhan Gilt Fund with 10 year Constant Duration Fund Regular-Growth	5.6%	₹1,000	6.71%	₹354.39 Crs
   Bandhan Gilt Fund Regular-Growth	5.14%	₹1,000	7.75%	₹3,324.42 Crs
   Nippon India Gilt Fund Direct Defined Maturity Date-Growth	5.91%	₹5,000	8.97%	₹2,056.83 Crs
   Nippon India Nivesh Lakshya Long Duration Fund Direct - Growth	6.23%	₹5,000	8.73%	₹9,808.60 Crs

   Disclaimer: ≈ Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is done in alphabetical order (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

   

3. Best Hybrid Funds^≈

   Fund Name	Return 5 Years	Minimum Investment	Return Since Launch	AUM
   Bank of India Mid & Small Cap Equity & Debt Fund Direct-Growth	23.61%	₹5,000	16.74%	₹1,257.61 Crs
   Bank of India Mid & Small Cap Equity & Debt Fund Regular-Growth	22.32%	₹5,000	15.61%	₹1,257.61 Crs
   ICICI Prudential Pharma Healthcare and Diagnostics (P.H.D) Fund Direct - Growth	21.05%	₹5,000	22.55%	₹6,103.96 Crs
   ICICI Prudential Thematic Advantage Fund (FOF)Direct- Growth	27.21%	₹5,000	16.26%	₹4,863.19 Crs
   ICICI Prudential Thematic Advantage Fund (FOF)- Growth	25.89%	₹5,000	15.4%	₹4,863.19 Crs
   Motilal Oswal Nasdaq 100 FOF Regular - Growth	22.38%	₹500	26.09%	₹5,774.62 Crs
   Quant Aggressive Hybrid Fund Regular-Growth	21.75%	₹5,000	16.52%	₹2,101.23 Crs
   Quant Aggressive Hybrid Fund Direct-Growth	22.92%	₹5,000	16.95%	₹2,101.23 Crs
   Quant Multi Asset Allocation Fund Direct-Growth	27.88%	₹5,000	15.87%	₹3,666.25 Crs
   Quant Multi Asset Allocation Fund Regular-Growth	26.47%	₹5,000	11.68%	₹3,666.25 Crs

   Disclaimer: ≈ Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is done in alphabetical order (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

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SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

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I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Total Wealth ₹1.03 Cr

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I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Monthly Investment ₹22.4 L

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Top Funds with High Returns (Past 7 Years)

13.37%

Equity Pension

15.49%

Global Equity Index Funds Strategy

19.07%

High Growth Fund

13.6%

Opportunities Fund

21.23%

Multi Cap Fund

14.59%

Accelerator Mid-Cap Fund II

16.03%

Multiplier

14.99%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.57%

Equity II Fund

14.8%

US Equity Fund

15.35%

Growth Opportunities Plus Fund

12.04%

Equity Top 250 Fund

14.47%

Future Apex Fund

12.41%

Pension Dynamic Equity Fund

14.84%

Pension Enhanced Equity

Why You Should Invest in SIP?

If an investor does not want to engage in high risk-taking investments and at the same time wishes to create a financial corpus after retirement, SIP investment can be considered as one of the smartest ways of investing. Here are some reasons why investing in a SIP will work wonders for you in the long term future:

1. Higher Returns

   If the investor studies the history of a mutual fund^^ carefully before buying SIPs and purchases them accordingly, higher returns are guaranteed after a significant time period, say 12 years. The top performing SIPs these days have shown a remarkable growth of 18% to sometimes even more than 20% in a span of 12 years or 15 years which is way more than any other investment option available in the market.

2. Rupee Cost Averaging

   As it is a known fact that the financial market is volatile in nature hence, rupee cost averaging allows investors to buy:

   • A limited number of shares when the market is super high

   • A higher number of shares when the market witnesses a low

   SIPs are beneficial for investors who invest in more shares at less price rather than investors who invest a large sum in just one share.

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3. Affordable

   Systematic Investment Plans are considered affordable as one can invest an amount as low as Rs. 500 monthly. These regular investments as per the investors’ wish and affordability, do not cause a hole in their pocket unlike in the case of the Lump Sum method of investment where the investor deposits the complete amount at once.

4. Portfolio Diversification

   A SIP investor can put their money in multiple SIP plans for 20 years or 10 years instead of putting all the money in just 1 investment option. This kind of investment helps in the portfolio diversification of the investor and also increases the probability of better and higher returns after the long term period.

Let us understand in detail the Systematic Investment Plans, how they work, their features and benefits.

What is SIP (Systematic Investment Plan)?

Investors new to the concept of investment in Mutual Funds often get confused as to what is SIP and how mutual funds are different from SIPs. Well, the answer is very simple if we understand the concept from the basics.

So, Mutual Funds are a pool of accumulated investments by various investors and institutions clubbed together to earn capital over a long term period. To invest in a mutual fund, investors are provided with 2 types of options:

• Mutual Fund investment through Lump Sum method

• Mutual Fund investment through Systematic Investment Plan method

1. Lump Sum Method:

   In the lump sum method, as the name suggests, the total investment is invested in the mutual fund at a one-time. An investor has to put in a significant amount at once creating a little financial pressure thus becoming a less preferred choice.

2. Systematic Investment Plan Method:

   One of the significant reasons why SIPs are the trending method of investment and gaining popularity amongst the masses is the fact that a fixed amount is deposited in a Mutual Fund scheme of the investors’ choice at regular intervals for a pre-defined period of time. If investments are made wisely after understanding the background of the mutual fund in SIP, great returns are expected in the long term.

   Some of the main reasons why an investor should consider investing in a SIP rather than any other investment options are:

   • It develops a regular savings habit and brings financial discipline in an investor’s life

   • It is an investment plus savings scheme

   • Sometimes some of the Systematic Investment Plan’s monthly minimum installment is as low as Rs. 500

   • Helps in managing the financial burden during the crisis

   • It helps in building a significant financial corpus even after retirement

To get a better idea of SIP plans, it is suggested to study the best SIP plans in the market before investing.

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In The End!

One can easily invest in SIPs online these days from any reputed company. It is very important to have a piece of in-depth knowledge about the SIP the investor is planning to purchase. SIP calculator online tool can be used to analyse the SIP returns. From low risk to high risk, from short term to long term, every SIP is available in the market but the question arises as to what factors should be taken into consideration before making the buy? So, an investor should always:

• Research about the reputation of the fund house of the desired SIP

• The net asset value

• The historic returns of the chosen Systematic Investment Plan

• The risk involved in the SIP

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