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The information and data contained in this Website do not constitute distribution, an offer to buy or sell or solicitation of an offer to buy or sell any Schemes/Units of Birla Sun Life Mutual Fund (BSLMF), securities or financial instruments in any jurisdiction in which such distribution, sale or offer is not authorised. In particular, the information herein is not for distribution and does not constitute an offer to buy or sell or the solicitation of any offer to buy or sell any securities or financial instruments in the United States of America ("US") and Canada to or for the benefit of United States persons (being persons resident in the US, corporations, partnerships or other entities created or organised in or under the laws of the US or any person falling within the definition of the term "US Person" under the US Securities Act of 1933, as amended) and persons of Canada.

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Systematic Investment Plan (SIP)

You Earn Regularly…
You Spend Regularly…
Do You Invest Regularly?

We all have various dreams that we want to realize – owning a Car, a House or going on a Vacation. Besides these, we also need to plan for Children's Education, their Marriage and our Retirement.

Achieving these dreams may seem like climbing Mt Everest, but its possible if you prepare for it – Step by Step

SIP or systematic investment planning is method through which you can invest in mutual funds through small and periodic installments. Though an SIP can be initiated on any day of the month, we suggest you to consider 12th and 25th of every month for setting aside money for investing. This will ensure that you save some money on 12th after paying all your essential bills and the rest on 25th after meeting most of your monthly expenses! What's more, the plan comes with the flexibility to invest any amount starting with as little as Rs. 1000. Whether you choose to save during the beginning of the month or towards the end, the important part is to remind yourself to save, just the way you keep reminders for other payments.

What is SIP?

Systematic Investment Plan (SIP) is a financial planning tool that helps you to create wealth, by investing small sums of money every month, over a period of time. A Systematic Investment Plan (SIP) is a vehicle offered by mutual funds to help investors invest regularly in a disciplined manner.

Why is SIP a Smart choice?

  • Helps in inculcating financial discipline

  • Helps you put investments on your priority list

  • Average out your cost of investment and hence reduce your risk

    Let's say you invested Rs. 1000 every month and let's assume the scheme you invested in is available at a unit value of Rs. 20 per unit. Then in month 1, you will be able to obtain 50 units. In month 2, if the unit value goes down to Rs. 10 then you will be able to obtain 100 units.

  • Hence for Rs. 2000 invested over 2 months, the total value of your investment at the end of 2 months is Rs. 1500. However, if you had invested a straight sum of Rs. 2000 in month 1 when the unit value was Rs. 20 per unit – your net value at the end of month 2 will only be Rs. 1000.

    Hence a SIP helps you average out your cost and thereby reduce risk resulting in generating better returns

  • Helps in compounding your wealth

    Getting rich is simpler than you think, here's a simple formula that can help:

  • Start Early + Invest Regularly = Create Wealth

    Invest Regularly
    Systematic investing has a compounding effect on your investments. In the long term, an investment as low as Rs 1000/- per month can swell up into a huge corpus.


    Start Early
    Similarly, starting your investments early also has its own advantages. Starting early means that the power of compounding starts acting on your money earlier, thereby potentially generating better returns.

    Consider the following graph:


    An individual who starts planning for his retirement at 25 yrs of age by investing Rs. 1000 / per month may collect up to Rs. 40 Lakhs on retirement whereas his investment over the period may just be Rs. 4.2 Lakhs

    On the other hand, if the same individual delays his retirement planning by 5 yrs, his wealth upon retirement may reduce significantly (approx Rs. 15 Lakhs.)

    What are the available dates for making an SIP purchase?

    While the purchase can be initiated on any day of the month, the actual purchase date can be 1st, 7th, 10th, 14th, 20th, 21st or 28th of every month.


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The views, opinions and recommendations mentioned herein are those of the Investment Advisor alone and should not be construed as investment advice to any party and are not necessarily those of Birla Sun Life Asset Management Company Ltd.(BSLAMC) or any of their officers, employees, personnel, directors and further, BSLAMC / its subsidiaries / affiliates / sponsors / trustee or their officers, employees, personnel, directors make no representation or warranty, express or implied, as to the accuracy, completeness or reliability of the content and shall not be liable for any loss, damage, liability whatsoever for any direct or indirect loss arising from the use or access of such information.


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