Best SIP Plans to Invest for 6 Months

What is a sip? It is a method of investing in mutual funds. If you are planning to invest for a duration of six months then you can start your SIP in debt funds instead of equity. It solves two purposes in an investor’s portfolio – firstly with diversification, it helps in reducing the overall risk. Both new and experienced investors can start a SIP in debt funds.

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The debt portion offers stability when the equity markets fall.

Secondly, they make a good alternative to your bank savings account. If you want to save the surplus amount let’s say for six months then you can look for SIP plans in low duration funds and ultra-short duration funds. This way you can reach your short term goals like buying a gift, two-wheeler, vacations, etc.  

But before you start your SIP in debt funds you need to be sure of your risk appetite and the investment horizon. Listed below are the two preferred fund categories for six-month SIP investment:

Best SIP Plans for six months in India

Here are some of the best SIP plans that are designed with such a short-term investment perspective:

  • Ultra-short Duration Funds

    They are open-ended debt schemes that are ideal for investors having a short-term goal of three to six months, who can handle market volatilities in order to get higher returns.

    Basically, these are debt funds, which invest in fixed-income instruments for a shorter duration of up to six months. They are low-risk funds owing to a shorter span of investments but slightly higher risk than liquid funds. The investment is nearly at a zero risk of loss of the opted duration is more than 3 months. With Ultra-short Duration Funds, you can expect slightly higher or similar returns as your Bank fixed deposits.

    Here are some of the best sip plans for ultra-short duration funds:

    • SBI Magnum Ultra Short Duration Fund:61% of the investment is in Debt funds out of which Government securities account to 1.6% and 95.01% in very low risk securities.
    • Kotak Savings Fund:5% of the investment is in Debt funds out of which Government securities account to 6.07% and 92.43% is in very low risk securities.
    • ICICI Prudential Ultra Short TermFund: 02% of investment is in Debt out of which 88.21% is invested in very low risk securities.
    • Aditya Birla Sun life Savings Fund: This fund makes 97.18% of investment in Debt funds, out of which 91.91% is in very low risk securities and 5.26% in Government securities.

    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer. Tax benefit is subject to changes in tax laws. *Standard T&C Apply

  • Low Duration Funds

    If you do not want much risk in your investment and are looking for a short-term investment then you can consider SIP in low duration funds. Their maturity duration is higher than ultra-short term funds and liquid funds. It is suitable for risk-averse investors who can earn better returns in comparison to bank Savings Account in such a short-duration.

    The focus of the fund manager is more on managing the duration in order to maximize the returns. So, the fund manager selects a relatively higher duration when the interest rates are in the downward trend and this helps in maximizing capital gains from the rising bond prices. One the other hand, when the interest rates are rising, protection is provided against capital losses in the portfolio by minimizing the duration of the fund.

    The returns offered by low duration funds are usually steady and stable. However, the returns offered vary from one plan to another. We have shortlisted some of the best SIP Plans in low duration funds in 2020-2021:

    • ICICI Prudential Savings Fund: 03% of the investment is in Debt funds of which 8.24% in Government securities, 87.88% in funds invested in very low risk securities.
    • Kotak Low Duration Fund: 2% of the investment is in Debt funds, out of which 88.82% is in very low risk securities and 2.74% account to Government securities.
    • IDFC LOW duration FUND:This fund makes 73% of investment in Debt funds, out of which 92.91% is in very low risk securities and 2.82% account to Government securities.
    • Invesco India Treasury Advantage fund: 89% of investment is in Debt out of which 96.89% is invested in very low risk securities.
    • Axis Treasury Advantage Fund: This fund makes 96.83% of investment in Debt funds, out of which 85.79% is in very low risk securities and 11.04% in Government securities.

    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer. Tax benefit is subject to changes in tax laws. *Standard T&C Apply

If you are still in two minds about keeping your extra money in your bank savings account or starting an SIP for six months, then SIP makes sense if you are ready to take some market risk. To achieve any of your short-term goals or to take up that vacation, you can definitely consider any of the above-mentioned best sip plans for six months in either low duration or ultra-short duration funds.

Bottom-line

Now that you know the fund category you can start your SIP for a short-duration in any of the above listed plans. However, you can consider other SIP plans from different fund houses also. But before investing make an informed choice on the basis of NAV, Fund size, average returns, Expense ratio, and Crisil rating.

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Best SIP Plans to Invest for 6 Months Reviews & Ratings

4.3 / 5 (Based on 25 Reviews)
(Showing Newest 25 reviews)
Raj
Ooty, September 02, 2020
Start with minimum amount
I have recently got the SIP plan from the policybazaar and it is really easy to get the plan from the online market. Not only this you can also start from the minimum amount of Rs. 500. It is very much convenient in nature and I really love my plan. Thank you policybazaar.
Adnan
Kohima, September 02, 2020
Great assistance
I have got the good amount of benefits from the policybazaar. The customer care team of policybazaar is very good and they understood my query very well. Thank you so much team for better assistance.
Suraj
Yamunanagar, September 01, 2020
Long term and beneficial
It is always a preferred thing that to get the SIP plan for the longer period of time. I really like the plan as I wanted it to be invested for at-least 10-12 years so that I can get the optimum profit out of the same. Thank you policybazaar.
Sonu
Bhilaad, September 01, 2020
Investment plan
I have taken the pension plan from the policybazaar and it is one of the best investment plan. It has the long term effect on the person and I can easily invest and can get the better returns in the future. Thank you policybazaar.
Ananya
Islampur, May 25, 2020
Online process
The whole process of buying the policy is on online basis. It was quite easy as I searched on website and explored various plans. I found it good and bought one.
Ashish
Sarsawa, May 24, 2020
Convenience
I am very impressed with the services of policybazaar. They are really quick. Also, it is very convenient to buy the investment plan.
Kushal
East Midnapore, May 23, 2020
Long term gains
It is the process of long term gain and to sustain our future from certain hurdles. As the things have become expensive and we should save money. So, these investments plans helps in saving money.
Divyanshu
Hagaribommanahalli, May 22, 2020
Great support system
I love the services of policybazaar and the employees working there. It’s really nice that they gave me a lot many choices related to the investment plans. Unique way to invest.
Vijay
Mansur, May 21, 2020
Choices are given
While you are planning to take the SIP from policybazaar. You can have a lot many choices to choose out of different investment plans. I got the best one and I like it.
Manish
R.g.pur, May 11, 2020
A call away
I am happy that I bought my SIP plan from policybazaar. As they are just a call away. I was having a problem with my SIP and they resolved in few minutes.
Kishan
Sialhawk, May 10, 2020
Flexibility
I can see that SIP are flexible in nature. We can choose any kind of Mutual fund and also the amount which we have to invest. Quite simple.
Jatin
Vizianagaram, May 10, 2020
Helps in financial way
It helps me in dealing with financial things. As nowadays everything has become too costly. But with the help of SIP I can manage with my finances and can save money every month for a long term investment.
Vijay
Dabhoda, May 09, 2020
Good customer service
The customer service team of policybazaar is very nice. I was in a doubt before buying a SIP plan, but with the help of them I got to know about a best plan which is according to my budget.
Rakesh
Adimali, May 07, 2020
Best Returns
I recently purchased the SIP plan for me and for my wife. I found it totally good and apt for us. It is a long term investments with great number of benefits. Thank you team policybazaar for such nice plan.
Tripti
Agalpur, April 08, 2020
One stop and best plans
I got the SIP plan with the help of policybazaar. It is one stop solution. With great returns and monthly plan I am very satisfied. If so ever I need help from the customer care team they are available to help me.
Madhuban
Zotlang, April 06, 2020
Great Returns
It is a great source of return. I have started doing it from last 2 years and I am feeling relaxed that after a certain age I would be having a good amount of money with better returns.
Mustafir
Agra, April 03, 2020
Good policy
SIP plan is quite trending and useful nowadays. It has reflected a great impact on our society. As people are more concern about future planning and saving the money. Even the SIP plans gives us good returns after a certain period of time.
Varun
Adivada, March 31, 2020
Good customer care
The customer care team is quite helpful and nice. I got full and accurate information from them. They are not so disturbing. They have a good knowledge related to the product.
Vaibhav
Ahmedpur, March 27, 2020
Easy to get plan
It is easy to get the plan. I just visited the website of policybazaar. And I got various plans. Then I called the customer care team and they explained me about each and every plan. I chose the best one.
Subhas
Ahmedpur, March 23, 2020
Good plans
I visited the website of policybazaar and found good number of plans for future savings and investments. SIP is very important for everyone who wants a good satisfaction and more savings in his or her life. I would love to recommend all these plans to my friends and family.
Keshavkant
Jatga, January 20, 2020
Reach Your Goals
After a certain period of time you can reach your goal. I have seen that higher you invest there will be higher risk but you can earn well. But lower the investment low risk and low returns. Well, I have started with a less amount so that I can check and analyse. But gradually after sometime I will get a good amount. Thanks policybazaar.
Jaikant
Pathankot, January 13, 2020
Earn Money on your Investment
It is a good way to invest money and you can earn benefits and profits in your money only. A convenient way to invest and utilise your amount. Initially I found it little bit confusing but after a while everything is being okay. People who are planning in a long term investments can do such things.
Sailja
Satlasana, January 08, 2020
Systematic Investment Plan
It is a good plan. My friend recommended me to get this plan so that I can invest some amount of money into this. Ultimately I will gain benefits after a certain period of time. It is a good plan by policybazaar and I would recommend to everyone.
Zakir
Machantola, December 31, 2019
Systematic way for making money
I have gone through the plans of policybazaar. And found that it is a systematic way to invest and gain money. The whole process is simple and you can check on time to time basis regarding your investments.
Vishal
Ara, December 26, 2019
Good Returns In Long Term
I feel that while investing into this plan I have gained knowledge regarding the same. Also, after a certain good investment I will get the good returns. Though it is long term process but surely will be good for my future. Thank you team policybazaar.
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