Why SIP mutual funds are the best choices?

A Systematic investment plan or SIP is a plan that helps you invest in mutual funds on a regular basis. You can choose to invest weekly, monthly or quarterly for a year – the most popular choice being monthly.

Team EduFund
December 18, 2020

A Systematic investment plan or SIP is a plan that helps you invest in mutual funds on a regular basis.  You can choose to invest weekly, monthly or quarterly for a year – the most popular choice being monthly.

There are multiple reasons why SIPs are the best way to grow your money especially when you have a goal to plan – e.g. your child’s education. SIPs can be bought easily and you can start with a very low amount - just Rs. 500 per month. Here are the ‘Big 3 advantages’ that SIPs offer to you as a parent: 

Goal-planning

SIPs are good tools to plan for a future goal – to buy a 4-wheeler or to pay for college tuition fees maybe 10-15 years from now. When you determine the amount required to achieve your goal, you will know how much you should invest and for how long to reach your goal. This will help in planning effectively.

Worry-free investing

With many investments – especially ones that you do yearly or once in a few years, market forces are at play. This means that you have to learn to time the market and make investment decisions so that your risk is minimized when investing. However, with SIPs since you invest monthly you can spread out the risks and not worry about your returns getting too effected by how markets are performing. The result is in an averaging out of returns in the long-term ensuring that you get moderate returns, irrespective of when you invest.

Curation by experts

With the increasing number of fund types like equity, debt, mixed, gold-based etc. there is a wide variety to choose from based on your situation in life. This has led to customised offerings based on individual needs, supervised by experts in the SIP field. All you need is to specify your goal and timeline and you are provided with the best possible funds that can meet your future goals.

SIPs have become popular over the past few years, because of the ease of investing and the flexibility provided in terms of the amount of money that can be invested. You can stay invested as long as you want, although average returns have been higher when invested in the long-term. Research also shows that the returns offered by SIPs are more than recurring deposits in banks, in the long term.

Start today, with SIPs and move towards the goal you have planned for your child.

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