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One can invest in mutual funds regular sums of money through the Systematic Investment Plan thereby making the volatility of the securities market work in his favour. Since the amount invested per month/quarter is constant, the investor ends up buying more units when the price is low and fewer units when the price is high. Therefore, the average unit cost will always be less than the average sale price per unit irrespective of the market rising, falling or fluctuating. This concept is called "Rupee Cost Averaging". The investors can gain automatically without having to monitor the market or attempt to predict the market for purchasing the units.
From the enclosed table, you may be pleasantly surprised on the benefits of investing systematically over the long term. An investment of Rs 1000/- per month, in a mix of instruments yielding a net compounded return of 15% per annum over a period of 25 years, can grow to over Rs.27 lacs. The table below illustrates how a regular investment of Rs. 1,000/-per month grows over different time periods.
While SIP is ideal for investing in Equity Funds it should be used by all business and salaried class persons to save a fixed sum every month in whichever fund that suites their need and psychology.
Systematic Investment Plan (SIP) - An Open End Monthly Income Scheme
The first step that may take you a long way towards achieving your financial goals.
The Systematic Investment Plan (SIP) allows investor to save a fixed amount of rupees every month/quarter for purchasing additional units of Income (Debt) as also other schemes like Growth (Equity) and Balanced Funds and is ideal for meeting the following needs:
1. Higher education of children.
2. Daughter/ Son's Marriage.
3. Setting up one's son in business or profession.
4. Acquiring House/ Flat
5. Retirement needs.
Look at the following table and you may be pleasantly surprised on the benefits of investing systematically over the long term. An investment of Rs 1000/- per month, in a mix of instruments yielding a net compounded return of Rs 15% per annum, over a period of 25 years, can grow to over Rs27 lacs. The table below illustrates how a regular investment of Rs. 1,000/-per month grows over different time periods.
| Period in (yrs) | Your Savings (Rs.) | Grows to @10.0% p.a. (Rs.) | Grows to @12.0% p.a. (Rs.) | Grows to @15.0% p.a. (Rs.) |
| 5 | 60,000 | 77,172 | 81,104 | 87,342 |
| 10 | 1,20,000 | 2,01,458 | 2,24,036 | 2,63,018 |
| 15 | 1,80,000 | 4,01,621 | 4,75,931 | 6,16,366 |
| 20 | 2,40,000 | 7,23,987 | 9,19,857 | 13,27,073 |
| 25 | 3,00,000 | 12,43,160 | 17,02,207 | 27,56,561 |
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Sujash Associates LLP is a NISM Certified / AMFI Registered Mutual Fund Distributor registered with the Association of Mutual Funds in India (AMFI), holding ARN No. 163753. We are not Registered Investment Advisors (RIA) as defined per the SEBI (Investment Advisers) Regulations, 2013 and do not provide investment advice on other SEBI regulated products. We don't charge any fees for our services. We receive remuneration by way of commission from the Asset Management Companies.
This website is created for informational purposes only. Nothing contained in this website should be construed as investment advice or personal recommendation to buy / sell / hold any investment product. We make no representation or warranty (expressed or implied) to any investor on advisability of investing in any investment product or its future performance.
All Mutual Funds are subject to market risks. Past performance of schemes may or may not be sustained in future. Please read all Scheme related documents carefully before investing. We advise investors to read data and risk factors of various mutual fund schemes available in the Scheme Information Document (SID), Statement of Additional Information (SAI), Key Information Memorandum (KIM), etc. The value of any investment may rise and/or fall as a result of market changes and this website is not intended to predict actual performance and/or success of any scheme or other investment product and no assurances are given with respect thereto. Past performance is not indicative of future returns.