SIP in Equity investments benefits from rupee cost averaging concept and is also viewed as a disciplined approach towards equity investing via a regular saving/investing habit.
When it comes to Debt investments it is very common for us to invest in FDs or PPFs, that too most likely once in a year. This is not as systematic and disciplined as an Equity SIP.
While Equity funds can potentially provide attractive returns, they are more vulnerable to volatility. Fixed Income (or Debt) funds, on the other hand, are relatively stable and can smoothen your journey on a
The secret lies in taking a disciplined approach and investing 'systematically’ in Equity and Fixed Income funds to create long term wealth to achieve your financial goals.
'It is called the SIFI way to invest - Systematic Investments in Fixed Income.'
Complement you SIPs in equity with SIFI (SIP in Fixed Income)
Choose from a variety of Fixed Income funds depending on your investment horizon and risk appetite.
Grow your corpus every year by investing bit-by-bit in Fixed Income mutual funds, just like you would do a SIP (Systematic Investment Plan) for Equity investments.
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Note: Calculations shown are only for illustration purpose. Past performance may or may not be sustained in future and the same may not necessarily provide basis for comparison with other investments. 3year SIP performance on a rolling basis, with first SIP instalment starting from Jan’09. Data as on 3rd August’20. Basis monthly SIP at the beginning of the month. Source: MFI, Internal
As you can see, your Debt SIP could help cushion the fall during downturns in Equity markets when SIP returns in Equity turn negative, thereby playing an important part in balancing your allocation.
A combo SIP can capture the lower volatility of Debt SIP along with the higher growth potential of Equity SIP.
Why practice SIFI?
How it works?
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