Investment Strategy
To Achieve Your All Financial Needs
Systematic Investment Plan in Equity Mutual Funds (SIP) - Your pathway to achieving every financial goal through disciplined investing and the power of compounding.
Wow! New Bungalow!
Wow, Malhotra ji, your daughter's wedding is so grand!
Arora ji, your daughter is going for Foreign Studies!
Wow Chanda, New Bike!
The Golden Formula
Give maximum TIME to your SIP investments to get the maximum benefit of the POWER OF COMPOUNDING. The earlier you start and the longer you stay invested, the greater your wealth creation potential.
What is SIP?
A Systematic Investment Plan (SIP) is a disciplined investment strategy that allows investors to invest a fixed amount of money at predefined intervals. The simplicity and affordability of SIPs make them a very convenient option.
With the minimum investment barriers as low as ₹500, an SIP is one of the easiest ways in which anyone can start investing in mutual funds. It eliminates the need to time the market and helps build wealth systematically over time.
Benefits of SIP
Systematic Investment Plan (SIP) is a smart financial investment tool that helps you build wealth, step by step, over a period of time.
Rupee-Cost Averaging
Buy more units when prices are low and fewer when prices are high, averaging out your investment cost.
Power of Compounding
Your returns generate more returns over time, creating exponential wealth growth through compounding.
Discipline
Automatic fixed amount debit from your bank account every month ensures consistent investing without effort.
Consistency
Regular investments help you stay invested through market ups and downs, building wealth steadily.
Easy Investment
No lock-in period (except ELSS for 3 years), easy investment or redemption, and can track everything online.
Transparent & Convenient
Complete transparency in investments with convenient online tracking and management of your portfolio.
How Does SIP Work?
SIP works by leveraging the concept of rupee-cost averaging. Since a fixed amount is invested at regular intervals, through SIPs investors can benefit from all levels of the market and invest at an average cost. Whether the market is in its bullish phase or in the bearish phase, an SIP will invest regardless of the market conditions.
Rising Market
When markets are rising, you purchase fewer units at higher prices, but your existing units gain value.
Falling Market
When markets are falling, you purchase more units at lower prices, building your portfolio at discounted rates.
Example: Monthly SIP of ₹10,000
| Month | Amount Invested | NAV | Units Purchased |
|---|---|---|---|
| January | ₹10,000 | 10.00 | 1000.00 |
| February | ₹10,000 | 9.50 | 1052.63 |
| March | ₹10,000 | 9.20 | 1086.96 |
| April | ₹10,000 | 8.60 | 1162.79 |
| May | ₹10,000 | 9.00 | 1111.11 |
| June | ₹10,000 | 10.30 | 970.87 |
| July | ₹10,000 | 10.90 | 917.43 |
| August | ₹10,000 | 11.00 | 909.09 |
| September | ₹10,000 | 10.70 | 934.58 |
| October | ₹10,000 | 9.00 | 1111.11 |
| November | ₹10,000 | 8.40 | 1190.48 |
| December | ₹10,000 | 8.00 | 1250.00 |
| Total | ₹1,20,000 | 9.45 (Avg) | 12,697.05 |
As you can see, despite market volatility, you end up with an average purchase price of ₹9.45, demonstrating the power of rupee-cost averaging.
SIP TOP-UP: Accelerate Your Wealth Creation
Compare how SIP TOP-UP can significantly boost your corpus compared to regular SIP. Here are real-life scenarios showing the difference:
Scenario 1: Buying a New Bike
Normal SIP
- • Monthly SIP: ₹2,500
- • Started: 5 years ago
- • Total Invested: ₹1.5 lakh
- Estimated Corpus: ₹2.06 lakh*
SIP with TOP-UP
- • Monthly SIP: ₹2,500
- • Yearly TOP-UP: ₹500
- • Started: 5 years ago
- • Total Invested: ₹2.10 lakh
- Estimated Corpus: ₹2.79 lakh*
*With just ₹500 yearly TOP-UP, you get ₹73,000 more corpus!
Scenario 2: Buying a Dream Bungalow
Normal SIP
- • Monthly SIP: ₹20,000
- • Started: 20 years ago
- • Total Invested: ₹48 lakh
- Estimated Corpus: ₹1.98 crore*
SIP with TOP-UP
- • Monthly SIP: ₹20,000
- • Yearly TOP-UP: ₹1,500
- • Started: 20 years ago
- • Total Invested: ₹82.20 lakh
- Estimated Corpus: ₹2.86 crore*
*With ₹1,500 yearly TOP-UP, you get ₹88 lakh more corpus!
Scenario 3: Child's Foreign Education
Normal SIP
- • Monthly SIP: ₹20,000
- • Started: 15 years ago
- • Total Invested: ₹36 lakh
- Estimated Corpus: ₹1 crore*
SIP with TOP-UP
- • Monthly SIP: ₹20,000
- • Yearly TOP-UP: ₹2,000
- • Started: 15 years ago
- • Total Invested: ₹61.20 lakh
- Estimated Corpus: ₹1.49 crore*
*With ₹2,000 yearly TOP-UP, you get ₹49 lakh more corpus!
Scenario 4: Child's Marriage
Normal SIP
- • Monthly SIP: ₹10,000
- • Started: 15 years ago
- • Total Invested: ₹18 lakh
- Estimated Corpus: ₹50.19 lakh*
SIP with TOP-UP
- • Monthly SIP: ₹10,000
- • Yearly TOP-UP: ₹1,000
- • Started: 15 years ago
- • Total Invested: ₹30.60 lakh
- Estimated Corpus: ₹74.74 lakh*
*With ₹1,000 yearly TOP-UP, you get ₹24.55 lakh more corpus!
Scenario 5: Retirement Planning
Normal SIP
- • Monthly SIP: ₹25,000
- • Started: 20 years ago
- • Total Invested: ₹60 lakh
- Estimated Corpus: ₹2.48 crore*
SIP with TOP-UP
- • Monthly SIP: ₹25,000
- • Yearly TOP-UP: ₹2,000
- • Started: 20 years ago
- • Total Invested: ₹1.06 crore
- Estimated Corpus: ₹3.64 crore*
*With ₹2,000 yearly TOP-UP, you get ₹1.16 crore more corpus!
Ready to Achieve Your Financial Goals?
Contact your Mutual Fund distributor to achieve your all financial needs
Disclaimer
*Assuming Investment in Equity Funds and an average return of 12.62% p.a. as per AMFI Best Practice Guidelines Circular No.109-A/2024/2025, Dated September 10, 2024.
The figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. Mutual Fund investments are subject to market risk, Read all scheme related documents carefully. Past performance may or may not be sustained in future and is not a guarantee of any future returns.
The information contained herein does not constitute, and should not be construed as, investment advice or a recommendation to buy, sell, or otherwise transact in any security or investment product or an invitation, offer or solicitation to engage in any investment activity. It is strongly recommended that you seek professional investment advice before taking any investment decision.
Mutual fund investments are subject to market risks, read all scheme related documents carefully before investing.
HRP WEALTH | 9327141436 | HRPWEALTH@GMAIL.COM | AMFI REGISTERED MUTUAL FUND DISTRIBUTOR (ARN-342284)
