13/08/2015 Systematic Investment Plan (SIP) | Online SIP | Best funds for SIP | SIP Mutual Funds online | Open SIP account - Fundsindia.com
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SIP allows you to invest a certain amount at regular intervals. It is a planned approach towards investments and helps you the habit of savingand building wealth for the future. SIP Calculator helps you to calculate how small investments made at regular intervals can yield much betterreturns over a long period of time.
With the equity markets on the rise, now is the right time to make your money work for you. At FundsIndia, we are big supporters ofsystemeatic investments and we bring you few of the best performing funds for SIPs to kick-start your investments.
Best Performing SIP Funds:
(As on 15/04/2015)
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Fund Name 1 Year 3 Years 5 Years
Mirae Asset Emerging BlueChip(G) 56.36% 51.37% N/A
ICICI Pru Value Discovery Fund(G) 47.32% 46.91% 31.69%
HDFC Balanced Fund(G) 32.18% 32.70% 23.20%
UTI Opportunities Fund(G) 27.79% 27.81% 20.50%
ICICI Pru Focused BlueChip Eq Fund(G) 27.40% 29.24% 21.04%
Past performance may or may not be sustained in future. SIP returns over one year are annualized.
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HOW TO DESIGN A SIP PORTFOLIO
At FundsIndia.com, we provide an online investment platform, and we offer free advisory services. One of the most frequent advisory questionsthat we get from our investors is typically this – "I can save x thousand rupees every month. I would like to invest in mutual funds through SIP.Please suggest some funds for me". We are delighted to get such mails because systematic investments in mutual funds are the best way toturn savings into efficient investment vehicles. In this article, let me talk about a simple method to construct a good SIP portfolio.
1. First, decide upon the asset allocation – By asset allocation what I mean is how much money goes every month into what kind of mutualfund. It is possible to get very complicated with this, but to keep it simple you can focus on just three types of funds – large-cap orientedfunds, small/mid-cap funds and debt funds. A typical allocation would be 50% in large-cap oriented funds, 20-30% in small-mid/cap orientedfunds, and the rest in debt funds. To ensure stable and optimal returns, every SIP portfolio should have some debt fund component in it. It canjust be a small portion – 20-25% of the monthly investment, if your portfolio is an aggressive portfolio for the long term.
2. Second, decide upon the number of schemes in your portfolio – Given the fact that we have three prime asset classes as above, yourportfolio should have at least three schemes in it. On the upper side, it should not have more than seven-eight schemes. More than that, andyour portfolio becomes difficult to track and manage. Ideally, a portfolio would have five schemes – four equity schemes, and one debtscheme.
3. Third, decide on the schemes – this is the last thing to do while designing the portfolio, not the first. Once you know what kind of schemesyou are looking for and how many of each kind (from steps 1 and 2 above), this step becomes a simple choice. You can go to researchwebsites like valueresearchonline.com or Mint 50 and look at their top rated funds. You can simply pick one or two in each class that you areinterested in and you'll have your portfolio ready!
Not sure which funds toinvest in?
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13/08/2015 Systematic Investment Plan (SIP) | Online SIP | Best funds for SIP | SIP Mutual Funds online | Open SIP account - Fundsindia.com
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Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before
investing. Past performance is not indicative of future returns. Please consider your specif ic investment requirements before choosing a fund,
or designing a portfolio that suits your needs.
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