Understand Risk, Returns, and Your Investment Plan.
Mutual funds fluctuate, but it's not guaranteed loss. Equity funds are volatile but high potential; debt funds are stable but lower returns. Match risk to your timeline!
Focus on CAGR, not just quick gains. Benchmarks like Nifty 50 average 10-15% over 10-15 years. Seek consistent funds over 5+ years, not last year's top performer.
Start with clear goals (home, retirement). Use a Goal SIP Calculator to plan contributions. Asset allocation (equity/debt) must match your goal, timeline & risk.
Systematic Investment Plans (SIPs) use rupee cost averaging to smooth market ups and downs. Invest regularly, start early, and consider Step-Up SIPs to accelerate growth.
Don't chase hot funds or stop SIPs in dips. Review your portfolio annually, understand expense ratios (direct plans!), and always diversify across fund types.
Take the first step towards your financial goals! Use our powerful SIP, Goal, and Step-Up SIP calculators at sipplancalculator.in to map out your journey.