Dreaming of a home? Uncover a strategic approach to accumulate a substantial down payment, even with a modest monthly investment.
A ₹5,000 SIP alone for 3 years at a typical 15% return yields ~₹2.24 lakh, not ₹5 lakh. It's a start, but needs a smarter strategy!
Combine your ₹5,000 SIP with an upfront lump sum, like an annual bonus. This accelerates growth and leverages all your capital strategically.
To hit ₹5 lakh with a ₹1 lakh lump sum + ₹5K SIP, target 28-30% annual returns. Ambitious, but possible in a strong bull market with calculated risks.
For aggressive goals, consider Small-Cap, Mid-Cap, or Sectoral/Thematic funds. Higher potential returns come with significantly higher market risk and volatility.
Short-term goals face high volatility. Don't panic during dips. Review quarterly, have a Plan B (extend time/add funds), & plan an exit strategy for safety.
Calculate your potential! Use our Goal-Based SIP Calculator at sipplancalculator.in to map out your dream down payment. Happy investing!