Investment Tips: The new year is not just a time for making resolutions, but also the perfect opportunity to strengthen your financial future. If you don’t want to be completely dependent on your salary for your monthly expenses, it’s crucial to start the right investment plan now. A Mutual Fund SIP can prove to be an easy and systematic option for you in this direction.
Invest in SIP
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SIP, or Systematic Investment Plan, is a simple and disciplined way of investing. It doesn’t require investing a large sum of money at once. You can invest a fixed amount every month, and your fund gradually grows over time. By taking these small steps, you can build a strong financial backup for future regular expenses or emergencies.
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Investment Benefits and Returns
Let’s say you start an SIP of Rs. 5000 per month. The annual investment will be Rs. 60,000. Assuming an average return of 12 percent per annum, after five years, your total investment will be Rs. 3 lakhs, and the estimated fund value could reach approximately Rs. 4.1 lakhs. This way, you can gain Rs. 1.1 lakhs without any extra effort. If you continue the same SIP for 10 years, the total investment will be Rs. 6 lakhs, and the estimated value could reach Rs. 11.5 to 12 lakhs.
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Flexibility in SIP Investment
The biggest strength of SIP is its flexibility. As your salary increases, you can also increase your SIP amount. This is called a step-up SIP. For example, it’s easy to increase it from Rs. 5000 to Rs. 7000 or Rs. 10000. This accelerates the growth of your investment and strengthens your financial security.
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Preparing for Future Investments
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If you start an SIP this new year, the results will be clearly visible in a few years. You won’t have to wait for your salary every month for your expenses. The amount received from your investments will make your financial situation stronger and more confident. This is the time when you can take your financial planning in a smart and secure direction.