Quick Answer Yes, most investors should raise their SIP (a fixed monthly investment) every year. A step-up SIP increases that amount each year. For example, a ₹10,000 SIP with a 10% yearly step-up could grow to about ₹33.4 lakh in 10 years. Without a step-up, it grows to about ₹23 lakh (assuming 12% yearly returns,
SIP works well when you invest money from your monthly salary, because it spreads your buying price across ups and downs in the market. A lump sum can work well when you already have a large amount ready. Most Indian investors get the best result by using both together, based on where their money comes
Quick Answer: A monthly SIP (Systematic Investment Plan) of just ₹1,000 can grow to about ₹37.6 lakh in 30 years, if your fund earns 13% a year on average. Even a ₹100 monthly SIP can grow to about ₹3.76 lakh in the same time. The secret is not the amount — it is time and
Lifestyle inflation means your spending grows as fast as (or faster than) your salary, so your savings stay flat. The fix is simple: increase your savings first when your salary goes up, set a fixed monthly limit for weekend and entertainment spending, and save a fixed amount the day you get paid — not at
Your SIP return differs from the fund’s advertised return because they measure different things. The advertised number usually assumes one lump sum invested on a single day. A SIP invests a little every month at a different price. So each instalment stays invested for a different time. Key Facts A fund’s advertised return is usually
Petrol prices in Chennai have moved from about ₹64 a litre in 2016 to over ₹107 a litre in 2026. That is inflation in action — prices for everyday things going up over time. The same rise eats into your savings. A Systematic Investment Plan, or SIP, where you invest a fixed amount every month,
A mutual fund is the investment product. SIP (Systematic Investment Plan) is simply a way to buy it — a fixed amount, deducted automatically, at regular intervals. You can invest in the same mutual fund as a lump sum or through an SIP. The fund does not change; only your method of investing does. Key
You can build wealth on a limited income by starting small, automating your savings, and staying consistent. Begin a SIP with as little as ₹500 a month, build a starter emergency fund first, and raise your SIP amount every year as your salary grows. Time in the market matters more than the size of your
A complete family financial plan has three layers, in order. First, term insurance and health cover to protect income. Then an emergency fund. Then SIPs matched to your child’s school and college years. Start young, automate the SIP, and review the plan every year. Key Facts Section 80C allows a deduction of up to ₹1,50,000
What Happens to Your SIP When the Market Crashes? (A Behavioral Guide) When markets crash, your existing SIP units fall in value on paper, but every new instalment buys more units at a lower NAV — this is rupee cost averaging at work. Indian equity markets have recovered from every major crash on record and
Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. Before making an investment, please contact the investment expert at Deepak Wealth Framework for designing a portfolio that suits your needs. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.
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