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Mutual Funds offer a convenient and efficient way to build long-term wealth. By investing in a diversified portfolio managed by experts, they can help you achieve your financial goals — whether it’s buying a home, funding education, or planning retirement. With the potential to deliver returns that outpace inflation, Mutual Funds can play a key role in securing your financial future.
What are Benefits of SIP Investment ?
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Rupee - Cost Averaging
Under this type of investment, more units are purchased when the price is low and less when it is high. Thus, the overall cost is managed well, which is comparatively low.
No Market Timing Required
It doesn’t matter how the market conditions are; you don’t have to wait for the right time. Investment in an SIP will yield returns that are shielded against volatility.
Disciplined Investment
SIP investment helps an individual develop a savings habit and facilitates disciplined investing, regular, timely basis, favorable to wealth creation.
🟢 What is a SIP (Systematic Investment Plan)?
SIP is a smart and disciplined way to invest a fixed amount in mutual funds at regular intervals—be it monthly, quarterly, or yearly. With SIPs, you can start investing with as little as ₹100, making it accessible to everyone.
Instead of investing a large lump sum, SIPs allow you to spread your investments over time. This not only builds a habit of regular saving but also helps you benefit from rupee cost averaging and the power of compounding. It’s a simple, flexible, and convenient method to work toward your long-term financial goals.
🟢 What is Lump Sum Investment?
A Lump Sum Investment means investing a large amount of money at once in a financial product, such as a mutual fund, stock, or fixed deposit.
Unlike SIP, where you invest small amounts regularly, lump sum investment involves one-time investment—for example, putting ₹50,000 or ₹1,00,000 in a mutual fund on a specific date.
How to Start Online SIP with Jezzmoney?
Enter your PAN to instantly check your KYC status. It helps verify if your mutual fund or investment account is compliant and ready for use.
Activate Auto-SIP Setup to automate your mutual fund investments. It ensures regular, timely contributions, helping build wealth effortlessly and stay disciplined with long-term goals.
Select Best Funds by comparing performance, risk, and ratings. Choose funds aligned with your goals to maximize returns and achieve financial growth over time.
Add Funds in Cart to easily review and invest in selected mutual funds together. It simplifies the process and saves time before final investment confirmation.
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A systematic investment plan gives you multiple benefits over other modes of investment such as:
- Power of Compounding
Compounding makes your money grow faster over time. The returns you earn on your investment start generating their returns, creating a snowball effect. For example, if you invest ₹1,000 every month at an average return of 10% in 20 years, your total amount grows to ₹7,18,259. It’s the key to turning small, consistent investments into a large corpus.
- Rupee Cost Averaging
The amount invested gives your mutual fund units at their current market price or NAV (Net Asset Value). So when you invest via SIPs, it buys units each time during market is high or low. Due to this overall investment is averaged avoiding any loss on investment. This strategy benefits you to make high returns in the long term.
- Irrelevant to Market Timing
By investing via a SIP route, you do not have to worry about market volatility. SIPs are managed by experienced fund managers who actively monitor the market and adjust portfolios toward maximum profits.
- Makes you a Disciplined Investor
discipline in investing is the key principle and SIPs keep you disciplined and develop a habit of saving regularly. You can also opt automatic payment option for a hassle-free investment experience.
- Opportunity for Everyone
Any investor can invest in mutual funds and build steady wealth with SIP starting at just Rs.100, making it affordable and easy on your wallet. It is among the most affordable investments compared to any other option.
The different types of SIPs or systematic investment plans are as follows:
- Regular SIP
This is the most basic type of SIP where you invest a fixed amount regularly for a specific period. You can choose to invest monthly, quarterly, or even half-yearly. It’s simple just stay disciplined, and over time, small amounts can grow into a significant sum.
- Top-up SIP
These are also called step-up SIPs, which let you increase your SIP amount periodically, like every year. For example, you start a SIP of Rs.5,000 per month and increase it by 10% annually, the next year you’ll invest Rs.5,500. It’s perfect for matching your investments with your income growth.
- Flexible SIP
A flexible SIP lets you adjust your investment amount or frequency. You can increase or decrease the amount depending on the market or your financial situation. For example, you increase your investment during a market fall and decrease your investment when the market rises.
- Trigger SIP
This SIP occurs during specific market events. For example, when the NAV (Net Asset Value) declines or rises. To take advantage, you must have a reasonable market understanding. This type of SIP is best suited for experienced investors.
- Perpetual SIP
A perpetual SIP works like a regular SIP but without an end date. You keep investing until you decide to stop. It’s great for long-term wealth creation because you benefit from compounding over an extended period.
- Multi SIP
This allows you to invest in multiple mutual fund schemes through a single SIP. For example, if you invest ₹5,000 in a multi-SIP, it can be split among different funds, like ₹1,250 in four schemes. It’s convenient and diversifies your investments.
- SIP with Insurance
This combines mutual fund investments with life insurance. Along with growing your money, you get an insurance cover. If something happens to you during the investment period, your nominee will receive a lump sum payout.
SIPs are a powerful tool and a continuous process to earn stable returns in the long term, but you should know how your invested amount would make beneficial returns for you. Let's learn how it works:
You start by paying a fixed SIP amount every month on the day that you choose.
Every instalment earns you units of the mutual fund scheme, which are worth your investment.
These units are given based on NAV (Net Asset Value), which is the per-unit price of your mutual fund scheme.
The number of units received by every investor is directly dependent on the NAV.
If NAV is high, the investor gets fewer units similarly; when net asset value is low, it will buy you more units.
Thus, a systematic investment plan gives you the dual benefits of a bullish and bearish market while balancing the risk of your portfolio.
Thanks to Sanchay Karo, my SIPs gave exceptional returns. Their fund selection and timely advice really boosted my portfolio
I doubled my investment in 2 years following Sanchay Karo's guidance. Truly trustworthy and knowledgeable team
Sanchay Karo helped me shift to high-performing funds just in time. Great returns and peace of mind
Their step-up SIP advice changed my investing journey. Returns beat all my expectations. Highly recommended