Best Mutual Funds for SIP

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Most of us today have a steady flow of earning and spending on a regular basis. Statistics have shown how most of the things we ‘need’ now include what would previously be labelled under ‘indulgence’ or ‘want’. The month begins, most working professionals get paid, and it seems like there is an entire month to go. However, it happens so fast that before you know it, the month has gone by, and so has that money, and many are left thinking “I should have saved earlier!”

This is where an SIP plan comes in play. Promoting the ‘save first-spend later’ attitude, SIPs work in an automatic way once signed up for. A stepping stone in the world of investment, SIPs are relatively low risk when done with an experienced, knowledgeable, and fully aware financial planner.

To enroll onto an SIP program, speak to us, fix up on a sum that you can afford to park every month, and let the financial planner take care of the rest. You can also work on depositing a lump sum amount and sharing at one go.

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Some of the most obvious advantages of investing in SIP mutual funds include:

  • Accountability – Saving becomes easy with SIP since the account holder is expected to pay a fixed amount every month. In most cases, these amounts get automatically debited at regular intervals, normally towards the beginning of the month – strengthening your commitment and helping you with planning the rest of the month.
  • Affordability – The amount you want to invest on a monthly basis can be as little at Rs.500, to as high as you can go, making it a viable option to almost anyone!
  • Less or Medium Risk – As part of SIP, financial planners divide your funds to invest in different places safeguarding your resources. In simpler words, they place their eggs in different baskets – so you never suffer a huge loss!
  • Adjustable policy – In case of emergencies, you do have several flexible options to work out the schedule and the end date of investing. However, it is important to note that the longer you invest in an SIP, the greater the results you will see.
  • Accumulation of Compound Interest – Normally simple interest is calculated on the principal amount, however, in the case of SIP, a compound interest is calculated. This means that the first time you invest in an SIP, the interest gained on it is added to the principal amount. The next time the interest is calculated on this sum, not the original principal amount. Thereby, you earn a greater interest, the longer you invest in it.
  • Rupee Cost Averaging – The most influential reason to invest in an SIP is that investing decisions are made at monthly intervals, or timeframes set by your financial planner and yourself. This means that he or she can take strategic decisions on basis of the market scenario at that given point of time instead of taking decisions at one time that may or may not be beneficial after a while due to changing scenarios.

Top SIP Mutual Fund to Invest

Equity Funds

Fund Name Category 1Y 3Y 5Y 7Y 10Y
Canara Robeco Bluechip Equity Fund - Regular Plan - Growth Large Cap 75.68% 16.93% 16.45% 15.03% 13.16%
Axis Long Term Equity Fund - Regular Plan - Growth Tax Savings 70.35% 15.40% 16.06% 18.16% 17.68%
IIFL Focused Equity Fund -Regular Plan - Growth Focused 86.93% 20.29% 18.75% - -
Tata Large & Mid Cap Fund- Regular Plan - Growth Large & Mid Cap 88.51% 14.18% 14.39% 15.63% 13.85%
Mirae Asset Tax Saver Fund-Regular Plan-Growth Tax Savings 101.96% 17.60% 21.35% - -
Mirae Asset Emerging Bluechip Fund - Regular Plan - Growth Option Large & Mid Cap 100.71% 18.12% 21.43% 24.55% 22.26%
UTI - Flexi Cap Fund-Growth Option Cap 91.67% 18.54% 17.28% 16.93% 14.70%
Axis Midcap Fund - Regular Plan - Growth Mid Cap 74.60% 18.46% 19.07% 20.39% 18.21%
Kotak Emerging Equity Scheme - Growth Mid Cap 100.09% 13.66% 18.02% 22.45% 18.07%
SBI Small Cap Fund - Regular Plan - Growth Small Cap 106.14% 12.81% 20.60% 26.84% 21.31%
ICICI Prudential Technology Fund - Growth Technology 148.06% 28.33% 21.26% 19.68% 19.58%

Hybrid Funds

Fund Name Category 1Y 3Y 5Y 7Y 10Y
Aditya Birla Sun Life Regular Savings Fund - Growth / Payment - Regular Plan Conservative Hybrid Fund 30.90% 6.80% 9.13% 10.52% 10.10%
Edelweiss Balanced Advantage Fund - Regular Plan - Growth Option Dynamic Asset Allocation 46.90% 12.91% 11.71% 12.43% 11.04%
ICICI Prudential Balanced Advantage Fund - Growth Dynamic Asset Allocation 53.55% 10.33% 11.70% 12.14% 12.59%
SBI Equity Hybrid Fund - Regular Plan -Growth Aggressive Hybrid Fund 54.84% 12.27% 12.98% 14.80% 13.39%
Axis Triple Advantage Fund - Regular Plan - Growth Option Multi Asset Allocation 55.20% 11.94% 11.09% 10.06% 9.64%
Canara Robeco Equity Hybrid Fund - Regular Plan - Growth Aggressive Hybrid Fund 56.16% 13.47% 14.42% 15.43% 13.51%
Mirae Asset Hybrid-Equity Fund -Regular Plan-Growth Aggressive Hybrid Fund 62.41% 12.65% 14.10% - -
Kotak Asset Allocator Fund Growth Conservative Hybrid Fund 62.94% 14.56% 13.42% 14.89% 12.27%
HDFC Balance Advantage Fund - Growth Option Dynamic Asset Allocation 69.87% 10.10% 13.94% 13.67% 10.85%
Quant Multi Asset Fund-Growth Option Multi Asset Allocation 91.75% 16.36% 12.23% 10.93% 9.63%

Debt Funds

Fund Name Category 6M 1Y 3Y 5Y 7Y 10Y
SBI Magnum Medium Duration Fund - Regular Plan - Growth Medium Duration Fund 2.87% 11.37% 9.18% 9.47% 10.05% 9.45%
Kotak Low Duration Fund- Regular Plan-Growth Option Low Duration Fund 1.98% 8.35% 7.43% 7.64% 8.12% 8.38%
DSP Low Duration Fund - Regular Plan - Growth Low Duration Fund 1.94% 7.44% 7.22% 7.29% - -
ICICI Prudential Short Term Fund - Growth Option Short Duration Fund 2.81% 11.01% 8.28% 8.20% 8.64% 8.67%
IDFC Bond Fund - Medium Term Plan -Regular Plan- Growth Option Medium Duration Fund 1.81% 9.21% 8.02% 7.64% 8.06% 8.22%
Axis Strategic Bond Fund - Regular Plan - Growth Option Medium Duration Fund 3.35% 10.30% 7.66% 8.21% 8.93% -
Nippon India Short Term Fund-Growth Plan Short Duration Fund 2.71% 9.64% 7.75% 7.59% 8.12% 8.33%
IDFC Banking & PSU Debt Fund-Regular Plan- Growth Option Banking & PSU Fund 2.44% 12.19% 9.35% 8.21% 8.34% -
HDFC Corporate Bond Fund - Growth Option Corporate Bond Fund 2.67% 11.54% 8.92% 8.62% 8.91% 8.95%
L&T Triple Ace Bond Fund-Regular Plan-Growth Corporate Bond Fund 2.22% 11.97% 9.53% 8.16% 8.37% 7.97%

SEBI (Securities and Exchange Board of India) and AMC (Annual Maintenance Contract) have introduced stringent rules, to protect the interest of the investor. SIP follows a strict protocol that encourages transparency in the process and savings are in safe hands. So if you are someone who hasn’t already invested in an SIP, there is no time like now! Reach out to us and let us plan a system for you together today.

Need help with investing?

Call to get help from an expert.

Need help with investing?

Call to get help from an expert.

or call us at 9971009292

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