Fuelled by rising disposable incomes and growing awareness about disciplined investing, monthly SIP inflows across the mutual fund industry could scale up to Rs 40,000 crore over the next 18-?24 months, according to Madhu Nair, CEO of Union Asset Management Company (AMC). SIP inflows stood at Rs 25,925 crore in March, although the industry has witnessed a declining trend over the past four months amid heightened market volatility triggered by frequent US tariff changes.
Value averaging investment plan (VIP) is a powerful investment concept which provides considerable safety from the market volatility, discipline and reasonable guarantee of returns.
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Equity mutual funds witnessed a remarkable surge in inflows to nearly Rs 4 lakh crore in 2024, more than double the amount recorded in the preceding year, reflecting strong investor confidence and a continued shift towards long-term investing, particularly through Systematic Investment Plans (SIPs).
Stopping SIPs during a downturn undermines the benefit of rupee-cost averaging.
Find out whether the fund is equity, debt, or hybrid oriented. 'Understand the portfolio composition and whether it suits your risk appetite and horizon.'
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When an investor opts for a systematic investment plan (SIP) in mutual funds, the purpose is to average the cost of buying a bouquet of stocks, inculcate discipline and not having to worry about daily market fluctuations.
Investors often mistake SIPs as an investment avenue rather than a mode of investing in mutual funds
Investors should ideally invest via SIPs over at least 2-3 years.
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A disciplined, systematic investment habit started at a young age is normally sufficient to meet modest goals without having to sacrifice a normal comfortable lifestyle, suggests Harsh Roongta.
DIIs owned equities worth Rs 73.5 trillion, just 1.9 per cent less than FPIs. This marks a significant change from a decade ago.
As certified financial planner Gaurav Mashruwala says, "As a thumb rule, for the maximum growth, investments for goals which are more than 10-15 years away should be made in equities. Two-three years prior to the goal, the corpus should be shifted to debt instruments."
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Younger investors with long investment horizons may continue their SIPs.
'To be able to sail through such volatilities, it is prudent to focus on quality.'
It is a good option for parents of girl children who want a debt product and do not mind its low liquidity.
Gold is an excellent asset class for diversification and should be included in all long-term portfolios.
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The MF investor count, which stood at around 38 million in April 2023, has surged by 19 per cent in the past year.
Systematic investment plans not only generate good returns by tiding over short-term volatility, they can also be a good tax-saving instrument.
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Among the 11 equity sub-categories, thematic funds received the highest net inflows at Rs 9,017 crore, followed by smallcap funds at Rs 5,721 crore and flexicap funds at Rs 5,698 crore.
Inflows into equity mutual funds (MFs) continued their strong momentum in July, despite the market volatility triggered by the Union Budget.
A portfolio can be rebalanced by either selling a portion of the outperforming asset class or by buying more of the underperforming asset class.
Despite similar tax treatment, debt MFs enjoy certain advantages over FDs.
The number of active SIP accounts is nearing the 100 million milestone.
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