Definition:
SIP is a method of investing a fixed amount regularly (monthly, weekly, or quarterly) in a mutual fund scheme.
How It Works – यह कैसे काम करता है
- Choose a mutual fund scheme – Apni risk aur goal ke hisaab se scheme select karein.
- Decide an amount – Jaise ₹500, ₹1000, ₹5000 per month.
- Select a date – Har mahine ek fixed date pe paise automatically invest ho jaate hain.
- Units allocation – Market ke NAV (Net Asset Value) ke hisaab se aapko units milti hain.
Key Benefits – मुख्य फायदे
- Rupee Cost Averaging – Jab market upar-niche hota hai, aapko kabhi zyada units milti hain, kabhi kam. Isse average cost kam ho jaata hai.
- Power of Compounding – Chhoti chhoti bachat time ke sath bada amount ban jaati hai.
- Discipline in Investment – Regular investing habit ban jaati hai, bina market timing ke tension ke.
- Flexibility – Kabhi bhi SIP amount badha ya band kar sakte ho.
Example – उदाहरण
Agar aap ₹2000 har mahine invest karte ho 10 saal ke liye, aur return 12% annual milta hai,
toh aapka total investment ₹2,40,000 hoga,
aur maturity value approx ₹4,65,000 ke aaspaas ho sakti hai.
Simple Formula to Remember:
SIP = Small Amount + Regular Interval + Long Term = Big Wealth