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Systematic Investment Plan(SIP)



Systematic Investment Plan (SIP) is an investment route offered by Mutual Funds wherein one can invest a fixed amount in a Mutual Fund scheme at regular intervals– say once a month or once a quarter, instead of making a lump-sum investment. The installment amount could be as little as INR 500 a month and is similar to a recurring deposit. It’s convenient as you can give your bank standing instructions to debit the amount every month. SIP has been gaining popularity among Indian MF investors, as it helps in investing in a disciplined manner without worrying about market volatility and timing the market.


How Does SIP (Systematic Investment Plan) Work?

Investing in SIP Mutual Fund and SIP ULIP plan is very simple and hassle-free. When you apply for one or best SIP plans, your money is automatically debited from your bank account on a stipulated interval and invested in mutual funds or the ULIP plan you purchased. Based on the NAV (Net Asset Value) of your funds, you are allocated a certain number of units at the end of the day. Every time you invest, you choose to invest in the best SIP plan in India, and additional units are added to your account based on the current market rate. Investors don't require being an expert in the market timing to invest in the Stock Market. Units are purchased at different rates. When the prices are high, the investors buy more units, but when the prices are low, investors buy fewer units. Two methods that greatly benefit the SIP investors under even the best SIP plans are – Rupee-Cost Averaging and the Power of Compounding.

Power of Compounding

Whatever amount you invest in SIP Mutual Funds and SIP ULIP plans, you earn interest on it. Such interests get compounded and accumulated over a period of time. The longer the tenure is, the higher the fund value will be. Therefore, if you stay invested for longer, you can accumulate more wealth with the power of compounding. Hence, if you start investing early in your life, you will create more wealth than the one who comes in later. Let's understand the power of compounding using the calculator below. This power of compounding calculator will help you understand how the it helps you maximize your returns over a longer period.

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