We all have dreams that we want to realise - owning a house, getting the best education for children, perfect retirement, owning a car or going for a dream vacation. But we don't know how to achieve these dreams or get the funds to make it possible.


Now it is all possible with proper planning, disciplined investing and the magic of compounding, along with a sound investment advice from Arihant. In other words through a Systematic Investment Plan.

You must be wondering,

what is a SIP?

A SIP is a vehicle offered by mutual funds to help you invest a fixed amount in your choice of mutual fund scheme at regular intervals - monthly or quarterly. To explain it simply, a SIP is like a recurring deposit with the bank wherein you put a fixed amount of money every month, but the difference being, in SIP the money goes into the mutual fund.

Investing through SIP will empower you to plan and save for your future by inculcating in you a disciplined habit of investing that should bring you closer to achieving your financial objectives. An SIP is generally preferred for an equity scheme and can be started with as low as Rs 500 per month.

Why SIP?

A Systematic Investment Plan works for you in three ways

Disciplined Investment: It helps you to save regularly and thus inculcates a sense of discipline

Power of compounding: Small, regular investments lead to large accumulation of wealth over time hence harnessing the power of compounding.

Rupee cost averaging: SIP ensures you invest at every market level hence saving you from the biggest mistake that every investor makes – buying high selling low. This combined with the power of compounding works wonders to your portfolio.

Small Pocket Investment: You can invest in a diversified portfolio of stocks with as low as Rs 500 per month through the SIP mode.

START AN SIP NOW

Get Rs 34,00,000 or more for your

child's education or daughter's

marriage just by investing Rs 3,500 per

month for 18 years*.


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Q & A

What is rupee cost averaging?

It's a technique in which you invest a fixed amount of money at regular intervals (monthly/quarterly), regardless of whether the market is up or down.

To know more about SIP, its benefits and how it works download the

Arihant SIP Guide

What is this Power of Compounding?

When you invest every month, not only you generate returns on your capital, but through a SIP, you generate returns on your returns as well. Sounds confusing?

Suppose you invest Rs 3,000 every month and in first month you get a 5% return, so the next month your total amount invested in the mutual fund will be Rs 3,150 plus the other Rs 3,000 you will put at the start of second month. So your fund manager has to now generate returns on Rs 6,150 not Rs 3,000. The same cycle carries month-after-month till you stay invested.

See how the power of compounding will work for you: When you invest Rs 3,000 every month for 20 years in the Systematic Investment Plan of mutual fund scheme, assuming that you get 12% return per annum*, you accumulate Rs 30,00,000 after 20 years {your total investment is Rs 7,20,000}. See below how your Rs 3,000 every month grows year-by-year.


Yr (in Rs) Yr (in Rs) Yr (in Rs) Yr (in Rs)
1 st 38,427 6th 3,17,271 11th 8,23,844 16th 17,44,135
2nd 81,730 7th 3,95,937 12th 9,66,756 17th 20,03,762
3rd 1,30,523 8th 4,84,580 13th 11,27,793 18th 22,96,317
4th 1,85,504 9th 5,84,464 14th 13,09,254 19th 26,25,976
5th 2,47,459 10th 6,97,017 15th 15,13,728 20th 29,97,443
*The returns are calculated at an expected 12% rate of return per annum from equity mutual funds in India, although the average return of top ranking diversified mutual funds in India, for the last 10 years, has been more than 35% per annum (as on 31st March 2015).

Why is the emphasis given on starting to invest early? What if I invest a larger amount towards a later part of my life?

No matter how you choose to invest to create wealth, one thing is sure, the earlier you start the better off you will be. When you start early, your investment and returns start compounding year-by-year making your money work harder for you.

Invest through SIP with Arihant Capital

  • Assistance in helping you select the right mutual fund schemes
  • Access to Arihant's mutual fund research
  • Avoid issuing of cheques & paper work every time you invest
  • Ease of tracking status and periodical variation of mutual funds
  • Efficient & speedy service
  • Invest through your trading account with the need of paperwork or offline

Arihant's research team will work with you in identifying ace schemes that will help you fund for your child's education or your daughter's wedding or any other financial dreams you have.

Arihant is an AMFI registered mutual fund distributor offering MFs of all the fund houses in India. We have a research team that monitors and analyses mutual fund schemes regularly and provides investment recommendation based on thorough analysis.

CALCULATE THE RIGHT SIP AMOUNT: CROREPATI CALCULATOR

ARRIVING AT THE RIGHT SIP AMOUNT

Before you make any investment, you must first ask yourself the following three questions:


What am I investing for?

What is my investment horizon (time period)?

How much money I need to invest to achieve my goal?


To help you decide the right SIP amount you need every month to reach your financial goal, you need to know the answer to the first two questions. Arihant's crorepati calculator will then work out the amount you will need to invest every month through SIP to arrive at your desired sun to meet your goals.


CROREPATI CALCULATOR

DISCLAIMER: The above calculator is an endeavour to assist investors in ascertaining the suitable SIP amount to achieve their desired financial goal. Rate of return is compounded annualized and will be based on user's assumptions. The results displayed may significantly vary from the actual results depending upon the market, economic and other related factors. This is neither an investment advice nor should it be construed as historical or indicative performance of any of the schemes Arihant has recommended. Arihant Capital Markets Ltd shall not be responsible / liable for any decisions based on this calculator or upgrading this calculator. You are advised to consult your tax and / or financial advisors before making any decision.

SIP RETURNS CALCULATOR