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Understanding SIP
A Systematic Investment Plan (SIP) is a powerful tool used in mutual funds to create wealth over the long term. By investing small amounts regularly, you benefit from the power of compounding and rupee cost averaging.
Key Benefits of SIP
- Rupee Cost Averaging: You buy more units when prices are low and fewer when prices are high.
- Power of Compounding: Reinvested returns generate their own returns, accelerating wealth creation.
- Disciplined Investing: Regular automated deductions help build a savings habit.
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Common questions about Systematic Investment Plans
A Systematic Investment Plan (SIP) allows an investor to invest a fixed amount regularly in a mutual fund scheme. Regarded as a disciplined approach to investing, this method helps create wealth over a long period.
Compounding in SIP ensures that even small regular investments can grow into a large corpus over time. The returns earned on your investment are reinvested, earning further returns.
Yes, most AMCs allow 'Step-up SIPs' where you can increase your amount periodically. Decreasing usually requires stopping the current SIP and starting a new one.
Yes, Equity mutual fund gains are taxed as LTCG (12.5% above INR 1.25L) or STCG (20%). Debt fund gains are taxed as per your income tax slab.
There is no 'best' date. Since SIPs are about long-term averaging, the specific date of the month (e.g., 1st, 10th, 25th) has negligible impact on long-term returns.