SIP kya hota hai?
SIP (Systematic Investment Plan) mein aap har mahine ek fixed amount mutual fund mein invest karte hain — compounding ke saath time ke saath wealth badhta hai. ₹500 se bhi SIP shuru ho sakti hai.
SIP kaise kaam karta hai — example
Example calculation
₹5,000/month × 12% annual return × 20 years = ₹49.9 lakh maturity. Total invested: ₹12 lakh. Gain: ₹37.9 lakh — sirf compounding ki wajah se.
Step-up SIP kya hoti hai?
Step-up SIP mein har saal apna SIP amount thoda increase karte hain — jaise salary badhne ke saath. Example: ₹5,000 se shuru, 10% annual step-up = 5 saal mein ₹7,326/month. Is tarike se returns bahut zyada improve hote hain.
| Strategy | Monthly (start) | 20 years @12% |
|---|---|---|
| Regular SIP | ₹5,000 | ₹49.9 lakh |
| Step-up SIP (10%) | ₹5,000 | ₹1.02 crore |
SIP vs FD vs PPF — kaunsa better?
- SIP (equity mutual fund): 10-14% historical returns, market risk hai
- PPF: 7.1% guaranteed, tax-free, government backed
- FD: 6.5-7.5%, fully guaranteed, taxable
SIP mein nuksaan ho sakta hai?
Equity mutual funds mein short term mein nuksaan possible hai — market risk hoti hai. Long term (10+ years) mein historically returns positive rahe hain. PPF/FD mein principal guaranteed hai.
SIP kahan shuru karein?
Groww, Zerodha Coin, Paytm Money, HDFC Mutual Fund — in platforms par directly SIP shuru kar sakte hain. KYC (Aadhaar + PAN) required hai.