SIP - Systematic Investment Plan in India

SIP - Systematic Investment Plan

A Systematic Investment Plan (SIP) is a disciplined investment strategy offered by mutual funds that allows investors to invest a fixed amount of money at regular intervals (such as monthly or quarterly) instead of making a lump-sum investment. SIPs are a popular choice among investors due to their flexibility, ease of investment, and potential to build substantial wealth over time through the power of compounding and rupee cost averaging

 SIP allows investors to invest a fixed sum regularly, promoting financial discipline and long-term wealth creation.

SIPs help average out the purchase price of mutual fund units over time, reducing the impact of market volatility on investments.

 Through SIP, investors benefit from the power of compounding as returns generated are reinvested, leading to potentially higher growth over the investment horizon.

 SIPs offer flexibility in choosing investment amounts, fund options, and tenure based on investors’ financial goals and risk tolerance.

 SIPs can be easily started, modified, or stopped, providing convenience and adaptability to investors’ changing financial circumstances.

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Key Features & Benefits of SIP

Financial Security

The primary benefit of a life insurance policy is that it offers long term financial protection to the policyholder’s family in case of an eventuality.

Death Benefit

In case of any unfortunate event with the policyholder, the insurer provides financial benefit in the form of a death payout. The appointed nominee receives the entire sum assured plus the bonus accumulated over time

Maturity Benefits

Depending on the type of life insurance policy, insurers may offer the applicable benefit amount as maturity benefit at the end of the policy term.

Guaranteed Returns

Life insurance plans guarantee that you receive a fixed amount after a specific term. The return you get can help in paying the loan, child’s higher education, and other expenses

Wealth Creation

Certain types of life insurance policy plans, such as ULIP, endowment, or savings plans offer wealth creation benefits along with protection benefits. You can choose the types of plans based on your risk appetite and build a corpus for your future goals

Tax Benefits

Policyholders can claim tax benefits on the premiums paid under sections 80C and 80D. They can also claim tax exemptions under section 10(10D) as per the prevailing tax laws.