Investment Guidance
With The Right Partner, The Financial Journey Gets Easier
Systematic Investment Plan in Equity Mutual Funds - Your trusted partner in building wealth and achieving all your financial goals through disciplined investing and expert guidance.
Your Trusted Financial Partner
Expert Guidance & Support
Systematic Investment Plan
Achieve Your Financial Goals
Time is Money
Just like the market, life too has its ups and downs. You invest to make sure that your financial needs get fulfilled despite the roadblocks.
You need to offer your time and efforts to achieve anything in life. Similarly, successful investing is no different. To generate wealth, investments should be done for a long term.
Did You Know? If your monthly household expenses are ₹30,000 currently, then after 30 years you will require ₹2,28,400* a month to just maintain the same lifestyle!
*At inflation of 7%
Financial Needs
A financial need is a target to aim for when managing your money. It can involve saving, spending, earning, or even investing. Just like you make provision for your expenses every month, do the same thing for your investments.
INCOME - SAVINGS = EXPENDITURE
Types of Financial Needs:
SHORT-TERM
- • Buy a new car
- • Vacation planning
- • Emergency fund
MID-TERM
- • Buy a new home
- • Child's higher education
- • Child's marriage
LONG-TERM
- • Peaceful retirement
- • Luxurious lifestyle
- • Wealth creation
The Golden Formula
To fulfil your financial needs, follow this proven formula:
Power of Compounding
Give maximum TIME to your investments to get the maximum benefit of the POWER OF COMPOUNDING.
How the value of ₹100 has changed at the rate of 12% CAGR:
5 Years
₹176
7 Years
₹311
10 Years
₹557
30 Years
₹2,996
Equity Market Has Outperformed
Growth of ₹1,000 in different asset classes from March 1999 to March 2024:
Source: Gold & Silver - RBI Data as on Jan 2024 | Bank & Co. Deposits - RBI Data as on Sept 2023 | Inflation - RBI Data as on Feb 2024 | Sensex TRI - ACE MF - Data as on March 2024
Long-term horizon offers better risk-return pay off + Liquidity, Transparency, and Convenience
SIP Benefits
Systematic Investment Plan (SIP) is a smart financial investment tool that helps you build wealth, step by step, over a period of time.
Simplest Way to Invest
The simplest way to invest for your financial needs with minimal effort and maximum convenience.
Superior Returns
Potential for superior returns compared to traditional savings and fixed deposits over the long term.
Transparent & Convenient
Transparent and convenient. Can track everything online with complete visibility of your investments.
Automatic Monthly Debit
Automatic monthly debit from your bank account ensures disciplined investing without manual intervention.
High Liquidity
High liquidity with easy investment or redemption. No lock-in period (except ELSS for only 3 years).
Rupee-Cost Averaging
Benefits of power of compounding and rupee-cost averaging help you invest a fixed amount every month.
Less Paperwork
Minimal paperwork and hassle-free investment process makes SIP one of the most convenient investment options available.
Build Corpus for Your Financial Goals
Here are examples showing how starting SIP early can help you achieve your financial goals with lower monthly investments:
Child's Higher Education
Higher education for your child used to cost ₹14.50 lakh in 2014 and costs over ₹25 lakh in 2024! (Fees of PGDBM in IIM - Ahmedabad)
SIP Start Age
0 years
₹3,500/month
Estimated Corpus: ₹26.67 Lakh*
SIP Start Age
6 years
₹8,000/month
Estimated Corpus: ₹25.71 Lakh*
SIP Start Age
12 years
₹24,000/month
Estimated Corpus: ₹25.35 Lakh*
*Assuming investment in Equity Fund and an average return of 12.64% p.a. as per AMFI Best Practices Guidelines Circular No.135/BP/109-A/2024-25 dated November 01, 2023.
Child's Marriage
Child's marriage cost has increased from ₹25.50 lakh in 2014 to ₹50 lakh in 2024 (assuming 7% inflation).
SIP Start Age
5 years
₹5,500/month
Estimated Corpus: ₹54.67 Lakh*
SIP Start Age
10 years
₹10,000/month
Estimated Corpus: ₹50.27 Lakh*
SIP Start Age
15 years
₹22,000/month
Estimated Corpus: ₹50.99 Lakh*
*Assuming investment in Equity Fund and an average return of 12.64% p.a. as per AMFI Best Practices Guidelines Circular No.135/BP/109-A/2024-25 dated November 01, 2023.
Peaceful Retirement
Considering inflation and monthly household expenses, you need to start investing early to accumulate a sufficient amount. Retirement corpus required has increased from ₹1.80 crore in 2014 to ₹3.50 crore in 2024 (assuming 7% inflation).
SIP Start Age
25 years
₹5,500/month
Estimated Corpus: ₹3.54 Crore*
SIP Start Age
35 years
₹19,000/month
Estimated Corpus: ₹3.58 Crore*
SIP Start Age
45 years
₹70,000/month
Estimated Corpus: ₹3.52 Crore*
*Assuming investment in Equity Fund and an average return of 12.64% p.a. as per AMFI Best Practices Guidelines Circular No.135/BP/109-A/2024-25 dated November 01, 2023.
TOP-UP SIP
TOP-UP SIP permits investors to boost their SIP automatically by a set amount or percentage based on predetermined intervals. This increase could correspond to the development of your future earnings and savings.
A large financial necessity, such as a child's higher education, marriage, or the establishment of a peaceful retirement corpus, can be met early by adding little amounts to your existing investments.
Adapts to Your Rising Income
Automatic route to increased savings as your income grows over time.
Helps Fulfil Financial Needs Faster
Achieve your financial goals faster by increasing your investment amount systematically.
Helps Fight Inflation
Keep pace with inflation by increasing your investments as costs rise over time.
Build Wealth Faster
Accelerate your wealth creation by systematically increasing your investment contributions.
Useful When Current Surplus is Low
Start with a smaller amount and increase gradually as your financial situation improves, making it accessible even when you have limited surplus initially.
TOP-UP SIP Can Potentially Boost Your Wealth
Let's look at a comparison to get a better picture of how the TOP-UP SIP feature works:
Normal SIP
- • Period: 20 years
- • Amount: ₹10,000 per month
- • Started: 20 years ago
- • Invested Amount: ₹24 lakh
- Estimated Corpus: ₹99.40 Lakh*
TOP-UP SIP
- • Period: 20 years
- • Amount: ₹10,000 per month initially
- • TOP-UP: ₹1,000 yearly
- • Started: 20 years ago
- • Invested Amount: ₹46.80 lakh
- Estimated Corpus: ₹1.58 Crore*
*Assuming investment in Equity Fund and an average return of 12.64% p.a. as per AMFI Best Practices Guidelines Circular 135/BP/109-A/2024-25 dated November 01, 2023.
With just ₹1,000 yearly TOP-UP, you get ₹58.60 Lakh more corpus!
Important Things to Keep in Mind
Don't:
- • Don't keep looking at the market - it will keep going up and down
- • Don't check your returns daily
- • Don't worry if your funds are not performing - all funds go through high and low cycles
- • Never stop your SIP before it's tenure
- • Don't redeem your money only when your financial need is fulfilled
Remember:
- • Even the worst fund has delivered good returns in the long term
- • Invest for Long Term to maximize benefits
- • Stay disciplined and consistent with your SIP
- • Trust the process and power of compounding
- • Review your portfolio periodically, not daily
Ready to Start Your Financial Journey with the Right Partner?
With the right partner, the financial journey gets easier. Contact your mutual fund distributor to start your SIP and achieve all your financial goals.
Disclaimer
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.
Any investment decision that you take should be based on an assessment of your risks in consultation with your investment adviser. To the extent that any information is regarding the past performance of securities or investment products, please note such information is not a reliable indicator of future performance and should not be relied upon as a basis for an investment decision.
Mutual fund investments are subject to market risks, read all scheme related documents carefully before investing.
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