PGIM SIP Investment

What are PGIM SIP Plans?

PGIM SIP plans refer to Systematic Investment Plans offered by PGIM India Mutual Fund. SIP is a method to invest a fixed amount of money in a mutual fund or any other fund scheme at regular intervals (monthly, quarterly, etc.). This is a disciplined approach to investing and helps build wealth over time.

Here’s how they work:

• Regular Investment: You invest a fixed amount at chosen intervals.

• Unit Allocation: You get fund units based on the NAV on the investment date.

• Rupee Cost Averaging: Over time, you buy more units when the market is low and fewer when it's high, potentially balancing out the cost per unit.

• Compounding: Reinvesting your returns can grow your wealth over time.

SIPs are a disciplined way to invest and benefit from rupee-cost averaging and compounding.

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

/Month

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Total Wealth ₹22.4 L

View Plans

I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

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Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

17.86%

High Growth Fund

17.65%

Top 200 Fund

13.7%

Accelerator Mid-Cap Fund II

14.29%

Opportunities Fund

9.16%

Equity II Fund

12.7%

Accelerator Fund

13.69%

Grow Money Plus Fund

14.94%

Multiplier

11.41%

Equity Top 250 Fund

12.58%

Future Apex Fund

11.87%

Opportunities Fund

13.91%

Frontline Equity Fund

15.2%

Virtue II

10.42%

Pension Dynamic Equity Fund

11.81%

Top 300 Fund

9.94%

Blue-Chip Equity Fund

What are the SIP Plans Offered by PGIM?

Some of the best SIP plans offered by PGIM are as follows:

Benefits of PGIM SIPs

The key benefits of PGIM SIP plans are as follows:

• Discipline: SIPs automate your investment, ensuring consistent contributions regardless of market fluctuations.

• Flexibility and Convenience: PGIM SIPs provide the flexibility to choose the investment amount and the frequency of investment. Investors can start with a modest sum and increase their investments gradually as their income grows.

• Rupee Cost Averaging: PGIM SIPs help average out the cost per unit over time.

• Various Funds: PGIM offers a range of SIP plans invested in various asset classes, allowing investors to diversify their portfolios and reduce the risk associated with market fluctuations.

• Start Small: You can begin investing with a small amount, making it accessible to many.

• Smart SIP: PGIM offers Smart SIP, which combines SIP with life insurance coverage that increases over the initial years, providing extra security.

How Do PGIM SIP Plans Work?

PGIM SIP plans function just like any other SIP offered by companies. Here's how they work:

• Choose a PGIM Fund Scheme: Pick a mutual fund or any other fund offered by PGIM India Mutual Fund that aligns with your investment goals and risk tolerance.

• Set Up Your SIP: Decide a fixed amount you want to invest regularly. This can be a small sum to begin with. You must also choose the investment frequency - monthly, quarterly, or even annually.

• Automatic Deductions: PGIM will automatically deduct the amount you choose from your linked bank account at the designated intervals.

• Unit Allocation: Based on the Net Asset Value (NAV) of the fund on the investment date, you'll receive units of the chosen scheme. NAV reflects the per-unit price of the mutual fund.

• Rupee Cost Averaging: Over time, with consistent SIP contributions, you'll purchase more units when the market is low and fewer units when the market is high. This helps average out the cost per unit over the long term.

• Growth through Compounding: Any returns generated by the fund are reinvested, leading to growth over time through compounding.

• SIP Calculator:Use an online SIP Calculator to estimate your interest earned and total returns on your investment.

• Easy Exit: You can easily exit or redeem your SIP fund units, partially or completely, at any time, based on your financial needs and goals.

Tips for Successful PGIM SIP Investment

• Stick to a Disciplined Approach: Consistency is important in SIP investments. Regularly contributing the predetermined amount ensures the benefits of rupee cost averaging and compounding.

• Review and Rebalance Periodically: Review the performance of your SIP investments periodically and rebalance the portfolio if needed to align with your financial goals.

• Stay Informed about Market Trends: Keeping track of market trends and staying informed about the performance of your SIP funds can help make informed investment decisions.

Summary

PGIM SIP Plans offer you a disciplined and convenient route to invest in the best SIP plans. By contributing fixed amounts at regular intervals, you could benefit from rupee cost averaging and the potential for long-term wealth creation.