Best SIP Plans for 15 Years^~

What is SIP and How Does It Work?

SIP or Systematic Investment Plan is one of the two ways of investing in Mutual Funds^^, the other being the Lump Sum method of Mutual Fund investment. SIPs have gained huge popularity in the past decade and are provided by various mutual fund houses, banks, and other financial institutions to investors. One of the main reasons why SIP is considered better than the Lump Sum method of Mutual Fund investment and is gaining huge credibility these days is the fact that a fixed amount is deposited in a SIP scheme of the investors’ choice at regular intervals for a pre-defined tenure. if invested wisely in SIP, great returns are expected in the long term.

Some of the main reasons why an investor should consider investing in a SIP rather than any other investment options are:

• It develops a savings habit and brings financial discipline in an investor’s life

• It is a savings cum investment scheme

• Sometimes some of the Systematic Investment Plan’s monthly minimum installment is as low as Rs. 500

• Helps in managing the financial burden during the crisis

• It helps in building a decent financial corpus even after retirement

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

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Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

16.4%

High Growth Fund

13.33%

Opportunities Fund

13.2%

Accelerator Mid-Cap Fund II

How to Calculate Returns Using the SIP Calculator?

To calculate returns on your SIP investments, you can use the SIP calculator, which is a tool available online. The SIP calculator simplifies the process of calculating the returns on your investments, enabling investors to make informed decisions about their financial goals and investment strategies.

Best SIP Plans^~

Below are some best SIP Plans for 15 years that an investor can think of putting their money in. The current 5 years and 3 year returns are depicted under the various categories of SIP Mutual Funds, that is, Equity, Debt, and Hybrid Funds:

Best 15-Year Equity SIP Funds:^≈

A SIP equity fund investment is considered low in risk when compared to direct investment in stocks and considered lucrative in the long-term returns. Under Equity SIP funds, investments are generally made in shares of Indian companies.

Disclaimer: ≈ Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is done in alphabetical order (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

Best 15 Year Debt SIP Funds:^≈

Debt funds are considered low risk taking funds. Under Debt SIP funds, investments are generally made in government bonds, money market instruments, corporate bonds, etc.

Disclaimer: ≈ Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is done in alphabetical order (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

People Also Read: Systematic Withdrawal Plan (SWP)

Best 15 Year Hybrid SIP Funds:^≈

Hybrid is a combination of both Debt Funds and Equity Funds and hence has a moderate risk taking ability.

Disclaimer: ≈ Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is done in alphabetical order (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

Why You Should Invest in SIP?

These days, SIP investment is considered one of the smartest ways of investing. Here are some reasons why investing in a SIP will work wonders for you in the long term future:

1. Higher Returns:

   If the investor carries out deep research before buying SIPs and purchase them wisely, higher returns are guaranteed after a long term period, say 15 years. The top performing SIPs these days have shown a remarkable growth of 18% to sometimes even more than 15% in a span of 15 years which is way more than any other investment option available in the market.

2. Rupee Cost Averaging

   As it is a known fact that the financial market is volatile in nature hence, rupee cost averaging allows investors to buy:

   • A limited number of shares when the market is super high

   • A higher number of shares when the market witnesses a low

   SIPs are beneficial for investors who invest in more shares at less price rather than investors who invest a large sum in just one share.

3. Affordable

   Systematic Investment Plans are considered affordable as one can invest an amount as low as Rs. 500 monthly. These regular investments as per the investors’ wish and affordability, do not cause a hole in their pocket unlike in the case of the Lump Sum method of investment where the investor deposits the complete amount at once.

4. Portfolio Diversification

   A SIP investor can put their money in multiple SIP plans for 15 years or 10 years instead of putting all the money in just 1 investment option. This kind of investment helps in the portfolio diversification of the investor and also increases the probability of better and higher returns after the long term period.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Things to Remember

One can easily invest in SIPs online these days from any reputed company. It is very important to have a piece of in-depth knowledge about the SIP the investor is planning to purchase. SIP calculator online tool can be used to analyse the SIP returns. From low risk to high risk, from short term to long term, every SIP is available in the market but the question arises as to what factors should be taken into consideration before making the buy? So, an investor should always:

• Research about the reputation of the fund house of the desired SIP

• The net asset value

• The historic returns of the chosen Systematic Investment Plan

• The risk involved in the SIP