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SIP Guide

This document provides an overview of starting a Systematic Investment Plan (SIP) in mutual funds, highlighting three main categories: Large Cap, Mid Cap, and ELSS, along with their historical returns and ideal holding periods. It emphasizes the importance of consulting a SEBI-registered advisor before investing and outlines three golden rules for investors. Additionally, it includes a SIP calculator to illustrate potential returns based on different monthly investments and assumed growth rates.

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7 views1 page

SIP Guide

This document provides an overview of starting a Systematic Investment Plan (SIP) in mutual funds, highlighting three main categories: Large Cap, Mid Cap, and ELSS, along with their historical returns and ideal holding periods. It emphasizes the importance of consulting a SEBI-registered advisor before investing and outlines three golden rules for investors. Additionally, it includes a SIP calculator to illustrate potential returns based on different monthly investments and assumed growth rates.

Uploaded by

u53105041
Copyright
© All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd

FINANCIAL EDUCATION • NOT ADVICE

SIP Karna Kahan Se Shuru Karein?


Mutual Fund Categories — Beginners ke liye
Yeh general education hai. Invest karne se pehle SEBI-registered advisor se zaroor milein.

Rs. 500 3 types 12-15% Power


Minimum SIP Fund categories Historical avg Compounding
start amount explained returns (vary) ka jaadu

SIP CALCULATOR — REALISTIC NUMBERS

Monthly SIP Total Invested Approx Corpus Approx Corpus


(3 saal) @ 12% p.a. @ 15% p.a.

Rs. 500 Rs. 18,000 Rs. 21,500 Rs. 22,400

Rs. 1,000 Rs. 36,000 Rs. 43,000 Rs. 44,800

Rs. 2,000 Rs. 72,000 Rs. 86,000 Rs. 89,600

Rs. 5,000 Rs. 1,80,000 Rs. 2,15,000 Rs. 2,24,000

Note: Returns vary every year. Past performance future returns guarantee nahi karta.
Upar ke numbers 12% aur 15% CAGR assume karte hain — actual returns zyada ya kam ho sakte hain.

3 MAIN MUTUAL FUND CATEGORIES — SAMJHO PEHLE

LOW-MED MEDIUM MED-HIGH


Large Cap Funds Mid Cap Funds ELSS (Tax Saving)
Sabse Safe — Beginners ke liye best Medium Risk — Thoda patience chahiye 80C Tax Benefit + Returns — Double fayda
Hist. Returns: ~10-13% p.a. Hist. Returns: ~13-18% p.a. Hist. Returns: ~12-16% p.a.
Ideal Hold: 3-5+ saal Ideal Hold: 5-7+ saal Ideal Hold: 3+ saal (lock-in)
Min SIP: Rs. 500/month Min SIP: Rs. 500/month Min SIP: Rs. 500/month
Kaun kare: Kaun kare: Kaun kare:
Pehli baar invest karne wale. Job shuru ki hai. 1-2 saal ka experience ho. Volatility sehen kar sako. Tax bachana chahte ho. Rs. 1.5L tak 80C deduction.

3 Golden Rules — Yaad Rakhna


01 Pehle emergency fund banao — 3-6 mahine ka kharcha. Uske baad SIP shuru karo.
02 Sirf woh paisa lagao jo 3+ saal ke liye nahi chahiye. Short-term zaroorat ka paisa mat lagao.
03 Market gire toh ghabrao mat — SIP band mat karo. Girawat mein zyada units milte hain.

DISCLAIMER: Yeh PDF sirf educational purpose ke liye hai. Koi bhi investment SEBI-registered financial advisor se

milke karo. Mutual fund investments market risk ke adheen hain. Past returns future results guarantee nahi karte.

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