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Stopping and starting SIP’s continuously can prove extremely detrimental to your long-term returns. Doing this negates the compound effect and can potentially set you back by a large sum of money in the end. Therefore, it’s always best to start your SIP with a sum of money that is comfortable for you, and does not end up overstraining your finances.
Make sure you don’t let the flexibility of SIP’s work against you by taking them lightly, simply because they do not levy penalties or heavy exit costs. A disciplined approach to your SIP’s will go a long way in ensuring that you create wealth from them in the long term.
The solution to having a long-term SIP is to “invest with purpose”. When you have SIP’s with clearly defined goals, you automatically keep them running for longer through the ups and downs of markets because you are focused on the big picture
If you started your SIP from an investing app or from a platform such as BSE or NSE, it can only be stopped from there. Alternatively, you can write to your bank and ask them to cancel the NACH mandate that is associated with that SIP. If your SIP was started offline through physical paperwork, you could also stop it offline if that suits you better. To do this, you will need to fill out and submit a physical SIP stop form to the concerned authority of the AMC or the registrar (CAMS or Karvy).
One easier solution is to get a Investment Expert and they can help stop your SIP’s and also go paperless in the future!
SIPs or Systematic Investment Plans are a disciplined way of investing. SIPs work on the principle of accumulation or creating wealth by investing a fixed amount at regular intervals over long investment periods.
By investing a fixed amount, one gets the advantage of Rupee Cost Averaging which averages out the cost of purchasing units over the entire investment period. This is achieved when markets are down you get to purchase more number of units and when markets are up lesser units are purchased. The benefit of SIPs only happens when investing for the long term as Compounding takes effect on investments. Overall, SIPs turn out to be a great tool for investing as they balance risk and return in the most optimal manner.
CAGR or Compounded Annual Growth Rate is a measure to ascertain the long term performance of a Mutual fund. It is used to calculate the average growth rate of the fund for a period of more than 1 year.
For example : If you invested Rs 1 lakh in a mutual fund scheme and the market value of your investment grew to Rs 1.4 lakhs after 3 years, then your CAGR is 11.9%. CAGR in the shorter term cannot be used as a yardstick of performance however if you want to guage the long term average return of a fund, CAGR is an apt measure.
To start a SIP, first, select a mutual fund that aligns with your goals. Then, decide the amount and frequency (e.g.Daily/ Monthly/ Quarterly) you want to invest.
Sign up through a credible and trustworthy investment platform which has experts helping you choose the best funds suitable for achieving your financial goals. Set up an auto-debit through a platform like BSE Star MF and start investing.
SIPs offer advantages like disciplined investing, rupee cost averaging, and compounding. Did you know that a Rs. 10,000 monthly SIP has the potential to create a corpus of Rs. 55 lacs over 15 years?
To change your bank details in your folio, one can follow the below-mentioned steps:
The best mutual fund to invest in depends on your investment horizon and goals. For long-term goals like retirement, child’s education, or buying a house, Equity Funds are ideal due to their growth potential. For shorter-term goals, Debt or Arbitrage Funds offer stability and lower risk.
SIPs are an ideal way of investing in a mutual fund as it provides the advantage of Rupee Cost Averaging and Compounding. The most ideal way to invest in a Mutual Fund is to follow a process of investing that is customised towards your financial goals and investment expectations. Having an expert who understands your unique financial situation and is able to create an investment roadmap is very critical towards choosing the right Mutual Fund for you.
A Systematic Withdrawal Plan or SWP is a feature where investors can withdraw a fixed amount from a mutual fund scheme on a monthly/ Quarterly or bi-weekly basis. Usually, this is an income generation feature where money withdrawn automatically from a Mutual Fund is credited to an investor’s bank account. This systematic withdrawal ceases to happen when the amount is exhausted in the Mutual Fund.
The best mutual fund for SIP depends on your investment horizon and goals. For long-term goals like retirement, child’s education, or buying a house, Equity Funds are ideal due to their growth potential. For shorter-term goals, SIPs in Debt or Arbitrage Funds offer stability and lower risk. It’s essential to consult with an expert to choose the right fund that aligns with your specific goals and risk tolerance before starting your SIP.
R9 Wealth offers a seamless and paperless withdrawal process. Since the investments are linked to your goals, it is important that you must have your investment manager help you redeem your funds. The process is smooth and efficient and makes sure that you know exactly how you are proceeding with your goal achievement.
The difference between ‘saving’ and ‘investing’ lies in the fact that investing would entail a certain degree of risk taking with the intention of earning higher compounded returns over long time frames. The act of saving, on the other hand, entails accumulating money safely for shorter term needs. Even putting money away in a piggy bank every month is an act of saving money, though not very value creating! The best fund for saving (not investing money) would be an equity savings fund, which provides a tax efficient way of potentially earning “fixed income-plus” returns, without taking a large risk on your capital.
Today, you have tech platforms which enable paperless and seamless onboarding solutions to start a SIP. It’s never been easier to begin investing.
While starting investing is easy, creating wealth isn’t. Before you start investing, it’s critical that you get a customised investing plan made to suit your requirements and risk profile. Remember, an investment which might be great for one person can be an absolute disaster for another.
Starting a SIP is very easy, but to ensure that your SIP continues through the ups and downs of the markets, you should invest with clearly defined goals in mind and not in an ad hoc manner. An investing expert can help you define and prioritize these goals. Having set your goals, you are now ready to move forward!
If you’re a first time investor, you will need soft copies of basic documents such as your PAN Card, Aadhar Card and a copy of your cheque with your name on it to complete your KYC (Know your Customer) formalities and get an investing account opened with an investment platform.
With your goals defined, you can now proceed to start a SIP in the right fund that is best aligned to your goal tenor.
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Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. Past performance is not an indicator of future returns. R9 Wealth is an AMFI registered Mutual Fund distributor with ARN – 334421 (ARN Validity Period: 18-July-2025 to 17-July-2028). R9 Wealth and its brand assets are trademarks of R9 Wealth Financial Services.
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