ALL ABOUT
SIP
WHAT IS SIP?
HOW DOES IT WORK?
SIMPLE INTELLIGENT PRACTICAL
SIP is a way of investing in MF schemes
Monthly investment into MF schemes
Just like Bank/Post office RD
Simple easy and transparent way to
invest your money
HOW DOES SIP WORK ?
Sit with your Mutual Fund Distributor
Select your fund, tenure
Select a date
Amount gets debited monthly from your
bank account
Gets invested at NAV of the day
WHY SHOULD
I INVEST IN SIP FOR
LONG TERM?
SENSEX 43 YEAR PERFORMANCE
YEAR
SENSEX
1979
2022
100
58,569
*As on 31st March 2022 | Source : BSE
15.96%
SENSEX HAS GROWN
COMPOUNDED IN LAST 43 YEAR
PERFORMANCE
VOLATILE MARKETS
45,000.00
40,000.00
35,000.00
30,000.00
25,000.00
20,000.00
15,000.00
10,000.00
5,000.00
0.00
Jan 91
Jan 94
Jan 97
Jan 00
Jan 03
Jan 06
Source : BSE
Jan 09
Jan 12
Jan 15
Jan 18
VOLATILE
MARKETS
20 YEAR SIP PERFORMANCE
AVERAGE
INVESTMENT
R24
LACS
CAGR
VALUE
1.71
17.06% RCRORES
Avg SIP returns of Diversified MF Schemes as on 31st March 2022. | No.of Schemes : 30
Source : NJ Internal
CAN I DO SIP
FOR 2-3 YEARS?
SIP FOR 2-3 YEARS
YOU CAN DO SIP IN DEBT/ARBITRAGE FUNDS
LOW VOLATILITY
LOSS OF PRINCIPAL CHANCES ARE NEGLIGIBLE
RETURNS ARE LESS VOLATILE
HOWEVER LONG TERM DEBT FUNDS SIP
NOT SUGGESTIBLE AS RETURNS ARE LOWER
INVEST IN EQUITY FUNDS WHEN HORIZON IS
MORE THAN 3 YEARS, OTHERWISE IN DEBT FUNDS
IN WHICH
SCHEME SHOULD
I START MY SIP?
CAN CHOSE EQUITY SCHEME AS PER
YOUR RISK APPETITE, ALONG WITH YOUR
MUTUAL FUND DISTRIBUTOR DIFFERENT FUNDS
HAVE DIFFERENT TRAITS
(LARGE CAP, MID CAP, SMALL CAP, DIVERSIFIED
ELSS FUNDS TAX SAVING)
INVEST IN A BOUQUET OF FUNDS
TO DIVERSIFY YOUR RISKS
STICK TO YOUR
SIP
SIP STARTED IN A
TECH FUND IN MARCH 2000
AT NAV OF R10
MARKET CRASHES
12.00
NAV FELL FROM
10 TO 2.15!!
10.00
10.00
7.78
8.00
6.73
6.22
6.59
6.00
6.26
5.01
5.48 5.54 5.37
5.05 5.21
3.88
4.00
3.58 3.46
3.16
3.03 2.98 2.81
ALMOST
2.15
2.00
99,000
INVESTMENT VALUE R
AGAINST R LAC INVESTED!!
2
Source : NJ Internal
05-10-2001
05-09-2001
06-08-2001
05-07-2001
06-06-2001
08-05-2001
09-04-2001
05-03-2001
05-02-2001
05-01-2001
05-12-2000
06-11-2000
05-10-2000
05-09-2000
07-08-2000
05-07-2000
05-06-2000
05-05-2000
06-04-2000
06-03-2000
0.00
80% FALL
MARKET REMAINS LOW
12.00
10.00
8.00
2.15 2.41
3.55 3.26 3.26
3.03 3.29 3.09 3.28 3.30
3.22 3.36 3.03 2.92
2.87 2.55 2.65
2.68 2.94 2.75 2.78
05-08-2002
4.00
05-12-2001
6.00
2.00
SIP
05-06-2003
05-05-2003
07-04-2003
05-03-2003
05-02-2003
06-01-2003
05-12-2002
05-11-2002
07-10-2002
05-09-2002
05-07-2002
05-06-2002
06-05-2002
05-04-2002
05-03-2002
05-02-2002
07-01-2002
05-11-2001
05-10-2001
0.00
RETURNS STILL AT -10%, VALUE
R3 LAC AGAINST R4 LAC INVESTED!!
Source : NJ Internal
NAV LANGUISHES
BETWEEN 2 AND 3 FOR
NEXT 2 YEARS!
06-03-2000
05-05-2000
05-07-2000
05-09-2000
06-11-2000
05-01-2001
05-03-2001
08-05-2001
05-07-2001
05-09-2001
05-11-2001
07-01-2002
05-03-2002
06-05-2002
05-07-2002
05-09-2002
05-11-2002
06-01-2003
05-03-2003
05-05-2003
07-07-2003
05-09-2003
05-11-2003
05-01-2004
05-03-2004
05-05-2004
05-07-2004
06-09-2004
05-11-2004
05-01-2005
06-03-2005
05-05-2005
05-07-2005
05-09-2005
07-11-2005
05-01-2006
NAV BACK TO 10
12.00
10.00
IT TAKES 3 MORE YEARS
8.00
FOR NAV TO COME
6.00
BACK TO 10!!
4.00
2.00
0.00
HAVE YOU RECOVERED
YOUR MONEY?
Source : NJ Internal
06-03-2000
05-05-2000
05-07-2000
05-09-2000
06-11-2000
05-01-2001
05-03-2001
08-05-2001
05-07-2001
05-09-2001
05-11-2001
07-01-2002
05-03-2002
06-05-2002
05-07-2002
05-09-2002
05-11-2002
06-01-2003
05-03-2003
05-05-2003
07-07-2003
05-09-2003
05-11-2003
05-01-2004
05-03-2004
05-05-2004
05-07-2004
06-09-2004
05-11-2004
05-01-2005
06-03-2005
05-05-2005
05-07-2005
05-09-2005
07-11-2005
05-01-2006
NAV BACK TO 10
12.00
10.00
DELIVERING
8.00
YOU CAGR OF 30%
6.00
4.00
2.00
0.00
VALUE OF YOUR
INVESTMENT IS R
Source : NJ Internal
17.43 LAC NOW!
R7.10 LAC
Source : NJ Internal
YOU BOUGHT MAX UNITS WHEN MARKETS WERE DOWN!
05-01-2006
07-11-2005
05-09-2005
05-07-2005
05-05-2005
06-03-2005
05-01-2005
05-11-2004
06-09-2004
05-07-2004
05-05-2004
05-03-2004
05-01-2004
05-11-2003
05-09-2003
07-07-2003
05-05-2003
05-03-2003
06-01-2003
05-11-2002
05-09-2002
05-07-2002
06-05-2002
05-03-2002
07-01-2002
05-11-2001
05-09-2001
05-07-2001
08-05-2001
05-03-2001
05-01-2001
06-11-2000
05-09-2000
05-07-2000
05-05-2000
06-03-2000
UNITS
HOW DID THIS HAPPEN
5,000
4,500
4,000
3,500
3,000
2,500
2,000
1,500
1,000
500
0
CURRENT VALUE OF SIP
IF U HAVE CONTINUED
THAT SIP TILL DATE
INVESTMENT
CAGR
R26.50
20.97%
LACS
VALUE
4.18
CRORES
R
As on 31st March 2022. | Source : NJ Internal
THE CURRENT
NAV OF
THE FUND IS AROUND
162
CAN I DO SIP
IN GOLD FUNDS?
SIP IN GOLD FUNDS
SIP IN GOLD FUNDS AVAILABLE
RATHER THAN BUYING PHYSICAL, CAN
BUY THROUGH MF ROUTE FUND MANAGER
INVESTS IN GOLD ETF ON YOUR BEHALF
TRANSPARENT PRICE
NO STORAGE ISSUE, NO QUALITY ISSUE
CAN REDEEM ANY TIME
YOU WANT TO BUY PHYSICAL GOLD
GOLD IN LONG TERM, THOUGH,
GIVES RETURN EQUAL TO INFLATION
CAN I CHANGE
MY DATE IN SIP?
CAN I INCREASE
MY SIP AMOUNT?
DATE CHANGE IN SIP
TO CHANGE THE DATE OF
AN SIP YOU WILL HAVE TO STOP
THE SIP AND RESTART THE SIP.
THIS CAN BE DONE
THROUGH YOUR EWA IN FEW MINUTES
WITHOUT ANY PAPERWORK
10
15
INCREASE IN SIP AMOUNT
YOU CAN START A NEW SIP OR YOU CAN DO A TOP UP SIP
THROUGH TOP UP SIP YOUR SIP AMOUNT INCREASES PERIODICALLY
IF YOU SAVE MORE, YOU WILL EARN MORE.
LETS SEE
WHAT WOULD HAPPEN IF U DID
TOP UP SIP OF 1000 PER YEAR
IN THE TECH FUND SINCE 2000
TOP UP SIP
IF IN THE TECH FUND,
YOU HAD KEPT INCREASING
BY SIP EVERY YEAR
CURRENTLY
MONTHLY SIP
CAGR
R30,000
PER MONTH
CURRENT
VALUE
20.97% R12.54
CRORES
As on 31st March 2022. | Source : NJ Internal
ALMOST
200% HIGHER
IS MY MONEY
LOCKED IN SIP ?
THERE IS NO LOCK IN IN SIP
SIP PROVIDES HIGH FLEXIBILITY
YOU CAN STOP YOUR SIP ANYTIME
YOU CAN REDEEM ANY TIME
UNLIKE INSURANCE,
NO CONCEPT OF SURRENDER VALUE
LOCK IN OF 36 MONTHS IN
ELSS SIP DUE TO TAX BENEFIT
IS THERE EXTRA
FEE FOR BUYING
AN SIP OR ARE THERE
ANY ADDITIONAL
CHARGES?
EXPENSES IN MF SCHEMES
ARE WELL DEFINED BY SEBI
AMC CAN NOT
CHARGE BEYOND SEBI LIMIT
NO EXTRA CHARGES
FOR INVESTING IN SIP
EXIT LOAD UPTO 1%
CAN BE CHARGED FOR TRANSACTIONS
WHICH HAVE NOT COMPLETED 1 YEAR
IS THERE
TDS ON SIP?
ARE THERE
ANYOTHER TAX
DEDUCTIONS ?
TDS
STT
STAMP
DUTY
NIL
R25 FOR
R1 LAC ON
REDEMPTION
R5
FOR
R1 LAC
Taxation as on March 2022.
STCG
15%
OF GAIN
VALUE
LTCG
10% OF
GAIN VALUE.
EXEMPT UPTO
R1 LAC
Taxation as on March 2022.
SO WHEN SHOULD
SOMEONE START THEIR
SIP JOURNEY.
AS SOON AS YOU
GET YOUR FIRST CHEQUE.
LONGER YOU INVEST HIGHER IS
THE POWER OF COMPOUNDING.
THE MOST IMPORTANT
INGREDIENT TO MAKE YOUR
SIP SUCCESSFUL IS TIME
POWER OF COMPOUNDING
“THIS IS POINTLESS.”
WARREN BUFFETT
58.5B
96% of Warren Buffett’S wealth was created after he turned 60.
Warren Buffet’S Age vs Net Worth
30
$ 1 Million
37
$ 10 Million
50
$ 100 Million
56
$ 1 Billion
63
$ 10 Billion
87
$ 90 Billion
36B
17B
2.3B
5K
14
6K
15
10K 20K 140K 1M 1.4M 2.4M 3.4M 7M
19 21 26 30 32 33 34 35
1.4B
620M
376M
8M 10M 25M 34M 19M 67M
36 37 39 43 44 47 52 53 56 58
Warren Buffett’S Age
Source : vintagevalueinvesting.com
3.8B
59
66
72
83
THAT'S GREAT!
I WILL START
MY SIP NEXT MONTH!
DELAY COST
YEARS
9
Invested Amount R10,80,000
CAGR
15.75%
R22,45,180
Value
DELAY COST
As on 31st March 2022. | Source : NJ Internal
10
R12,00,000
15.91%
R27,52,177
R5,06,997
DELAY COST
YEARS
19
Invested Amount R22,80,000
CAGR
15.03%
R1,14,48,176
Value
DELAY COST
As on 31st March 2022. | Source : NJ Internal
20
R24,00,000
16.27%
R1,54,87,340
R40,39,164
MISSED OPPORTUNITIES
20 YEAR SIP PERFORMANCE
R10000 R1,54,87,340
As on 31st March 2022. | Source : NJ Internal
MISSED OPPORTUNITIES
20 YEAR SIP PERFORMANCE
R10000 R1,54,87,340
R2000
R30,67,250
As on 31st March 2022. | Source : NJ Internal
MISSED OPPORTUNITIES
20 YEAR SIP PERFORMANCE
R10000 R1,54,87,340
R2000
R30,67,250
R50000 R7,66,81,170
As on 31st March 2022. | Source : NJ Internal
HOW CAN
I INCREASE
MY SIP EVERY
YEAR ?
TOP-UP
SYSTEMATIC
INVESTMENT
PLAN IN
EQUITY
MUTUAL
FUNDS
Boost Your Wealth Building Journey
A Top-Up SIP is a SIP that grows automatically with time!
SYSTEMATIC
INVESTMENT
PLAN IN
EQUITY
MUTUAL
FUNDS
TOP-UP
Boost Your Wealth Building Journey
A Top-Up SIP is a SIP that grows automatically with time!
Corpus:
R
3.08 Cr
*
SIP of
R10,000 P.M.
for 30 years
Invested Amount: 36 Lakh
*Assuming returns @ 12% CAGR
SYSTEMATIC
INVESTMENT
PLAN IN
EQUITY
MUTUAL
FUNDS
TOP-UP
Boost Your Wealth Building Journey
A Top-Up SIP is a SIP that grows automatically with time!
Corpus:
Corpus:
R
3.08 Cr
*
SIP of
R10,000 P.M.
for 30 years
Invested Amount: 36 Lakh
5.33 Cr
*
*Assuming returns @ 12% CAGR
R
SIP of
R10,000 P.M. +
R1000 P.Y. (per year)
TOP-UP SIP for 30 years
Invested Amount: 88.20 Lakh
Adapts to
your rising
incomes
Helps to reach
financial needs
faster
Helps fight
inflation
Auto route to
increase savings
Build
Wealth Faster
SYSTEMATIC
INVESTMENT
PLAN IN
EQUITY
MUTUAL
FUNDS
TOP-UP
Boost Your Wealth Building Journey
A Top-Up SIP is a SIP that grows automatically with time!
Greater Returns with
in 30 years
Corpus:
R
3.08 Cr
*
SIP of
R10,000 P.M.
for 30 years
Invested Amount: 36 Lakh
Corpus:
R
5.33 Cr
*
Adapts to
your rising
incomes
*Assuming returns @ 12% CAGR
SIP TOP-UP
*
R 2.25 Cr.
Helps to reach
financial needs
faster
Helps fight
inflation
SIP of
R10,000 P.M. +
R1000 P.Y. (per year)
TOP-UP SIP for 30 years
Invested Amount: 88.20 Lakh
Ab sirf SIP nahi,
SIP with TOP-UP Ka Magic
Chalega...
Auto route to
increase savings
Build
Wealth Faster
TOP-UP SIP IS
THE WAY TO GO
WHEN SHOULD
I REDEEM MONEY
FROM MY SIP?
YOU ARE DOING
SIP FOR A SPECIFIC GOAL
YOU CAN REDEEM OR START
MIGRATING YOUR MONEY TO DEBT
WHEN GOAL IS NEAR
IF YOUR GOAL IS SLATED FOR 2030.
START MIGRATING TO DEBT FROM 2028.
CONSULT YOUR
MUTUAL FUND DISTRIBUTOR
I HAVE
STOPPED MY SIP.
WHAT SHOULD I DO?
IF YOU WERE
WORRIED DUE TO MARKETS
MARKETS HAVE
JUMPED BACK SHARPLY
FROM MAR. 20 TO SEPT. 20
IF YOUR INCOME/JOB HAS GOT AFFECTED
START THE
SIP WITH LOWER AMOUNT.
TRY TO INCREASE
AS THINGS NORMALISE
OPTIONS FOR TOP UP SIP
SHOULD
I START SIP?
NOW
WHEN MARKETS
ARE HIGH.
WHEN INVESTING FOR LONG TERM,
MARKET LEVELS ARE IRRELEVANT
15 YEARS BACK SENSEX WAS AT
OR
OR
DOESN'T MATTER MUCH TODAY
5000
6000
7000
India is a long term growth story, benefit from it
SIP will do automatic market timing for you
DON'T DELAY YOUR SIP,
IT CAN BE VERY COSTLY.
THANK YOU
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invitation, offer or solicitation to engage in any investment activity. It is strongly recommended that you seek professional investment advice before taking any
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