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SYSTEMATIC INVESTMENT PLANS (SIPs)

A PLAN FOR EVERY GOAL(SIPs)

BUILD A PORTFOLIO TO MEET YOUR GOALS THROUGH SYSTEMATIC INVESTMENT PLANS

Systematic Investment Plan (SIP) is an investment plan (methodology) offered by Mutual Funds wherein one could invest a fixed amount in a mutual fund scheme periodically, at fixed intervals – say once a month, instead of making a lump-sum investment.

The SIP instalment amount could be as little as ₹500 per month. SIP is similar to a recurring deposit where you deposit a small /fixed amount every month.

SIP is a very convenient method of investing in mutual funds through standing instructions to debit your bank account every month, without the hassle of having to write out a cheque each time.

SIP has been gaining popularity among Indian MF investors, as it helps in Rupee Cost Averaging and also in investing in a disciplined manner without worrying about market volatility and timing the market. Systematic Investment Plans offered by mutual funds are easily the best way to enter the world of investments over the long term.

Common sense suggests that “Buying low and selling high” is perhaps the best way to get good returns on your investments. But this is easier said than done, even for the most experienced investors. There are many factors at play when it comes to any market - debt or equity, and all of them are inextricably linked.

SIP is a simpler approach to long term investing is disciplining and committing to a fixed sum for a fixed period and sticking to this schedule regardless of the conditions of the market.

STP – Systematic Transfer Plan

In mutual funds, an STP (Systematic Transfer Plan) allows you to transfer a fixed amount of money from one mutual fund scheme to another within the same fund house at regular intervals. This is often used to move funds from a lower-risk scheme (like a debt fund) to a higher-risk scheme (like an equity fund

SWP – SYSTEMATIC WITHDRAWAL PLAN (SWP)

A Systematic Withdrawal Plan (SWP) in mutual funds is a feature that allows investors to withdraw a fixed amount of money from their investment at regular intervals. It's often used by retirees or those needing a regular income stream to draw down their investments without selling the entire holding.

LUMP SUM-(LP)

A lump sum investment in a mutual fund means investing a large, one-time amount into the fund, rather than making smaller, regular contributions like a Systematic Investment Plan (SIP). It's a single purchase of units in the mutual fund, allowing the investment to start earning returns immediately.

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