SIP Calculator

Easy to use SIP calculator app that helps you calculate the expected returns on your mutual funds for both Lumpsum and SIP.

What is SIP?

An SIP is a smart and easy way to invest in Mutual Funds. SIP allows you to invest a fixed amount on a monthly basis. It is a planned approach towards investments that helps you develop a discipline of regular investing and create more wealth over the long term.

Pros

1.Minimum Amount

A big benefit of SIPs is that it allows one to participate in the share market at very low amounts. The minimum investment amount in a systematic investment plan can be as low as 500 rupees.

2.Helps in Tax Saving

The SIP investments are liable for deductions under Section 80C of the Income Tax Act. By investing in a SIP, one can save somewhere between INR 15,000 to INR 45,000 in taxes per year.

3.Power of Compounding

One of the best benefits of SIP investment is to see the increased value and growth of your invested wealth. And, investors realises this over the long term when his/her investment period is maturing. With the invested amount increasing over time, the accumulated amount keeps on increasing and this being invested in the market would be subject to market growth and returns (refer the image below).

4.Assists in Retirement Planning

SIP invests your money in growth assets and helps you create a powerful corpus for your retirement. For instance, let’s suppose you earn INR 30,000 per month at the age of 25 and invest INR 2500 per month in a SIP, increasing it by 10% every year, your savings would be the following- At the age of 60, with the balanced return of 12% per annum, you will earn INR 4.12 crores. Therefore, when deciding how to save money for your retirement, make sure you invest in SIP.

5.Habit of Saving

Another important benefit of SIPs is that prospective investors see it as a tool that inculcates the habit of saving. With a low investment amount, systematic nature and one-time registration it becomes a method of forced saving.

Cons

These are a few major risks in a SIP, some of these are discussed below:

1.Price Risk

Sometimes your investment in a SIP can go down and you can end up with a value lower than what you invested depending on how the market behaves. The risk in SIP is however related to holding period and usually, the longer the holding period, the lower the risk. With higher holding period the probability of making profit increases.

2.Credit Risk

When the bond of a particular entity or company undergoes a downgrade by a credit rating agency, its price falls. If the price falls, this impacts the overall value of the portfolio. This is called credit risk.

3.Liquidity Risk

Usually with mutual funds, liquidity is not an issue, however, there have been periods, when there was an issue in selling securities (like bonds) and that certain mutual funds had to limit withdrawals from some schemes. The equity market is fairly liquid. However, if the sale quantity exceeds the numbers of buyers by a large amount, then this will result in an issue, hence making subsequent payouts a problem and hence liquidity risk.

4.Fund Management Risk

Another risk in SIP is that the chosen scheme may not deliver upto expectations, and performance may be much lower than expected. The Fund Manager may under-deliver on performance, and this will lead to low returns on the SIP investments.

易于使用的SIP计算器应用程序，可以帮助你计算你的共同基金都为包干费和SIP预期收益。

什么是SIP？

一个SIP是投资于共同基金和智能简便的方法。 SIP可以让你每月投资固定金额。这是对投资，可以帮助你养成规律投资的纪律，在长期创造更多的财富计划的方法。

优点

1.Minimum金额

投资方案的一大好处是，它允许人们在非常少量参与股市场。在系统化的投资计划的最低投资金额可低至500个卢比。

在节税2.Helps

该SIP投资是根据所得税法第80℃扣除责任。通过在SIP投资，一个每年可节省介于INR 15,000 INR 45,000税。

复利3.电源

一个SIP投资效益最好的是看你的投资财富的增加值和成长。而且，投资者意识到这种过度时，他/她的投资期限到期的长期目标。随着时间的投入量的增加，累积量不断增加，这被投资市场将受到市场的增长和回报（参见下图）。

在退休规划4.Assists

SIP投资于资产增长你的钱，并帮助您为您的退休强大的语料库。举例来说，假设你每月收入INR 30000在25岁，并在SIP投资每月INR 2500年，以每年10％的速度增长它，你的储蓄将是以下各项在60岁的时候，与平衡每年12％的回报，您将获得INR 4.12亿卢比。因此，在决定如何省钱为你退休的时候，请确保您的SIP投资。

储蓄的5.Habit

投资方案的另一个重要的好处是潜在的投资者把它作为灌输储蓄习惯的工具。具有低投资金额，系统性和一次性注册成为强制储蓄的方法。

缺点

这些都是在SIP几大风险，其中的一些讨论如下：

1.Price风险

有时候，你在SIP投资可升可跌，你可以用比你这取决于市场如何表现什么投资小的值结束。然而，在SIP中的风险与持有期通常，较长的持有期，风险越低。具有较高的持有期获利的概率增加。

2.Credit风险

当一个特定的实体或公司的债券进行由信用评级机构降级，其价格下降。如果价格下跌，这会影响投资组合的整体价值。这就是所谓的信用风险。

3.Liquidity风险

通常与共同基金，流动性不是问题，但是，已经有时期，当有销售的证券（如债券）的问题，而某些基金不得不从一些方案限制取款。股市是相当的液体。但是，如果销售数量较大的量超过了购房者的数量，那么这将导致一个问题，因此使得后续的奖金问题，因此流动性风险。

4.Fund管理风险

在SIP另一个风险是，所选择的方案可能无法提供高达期望，性能可能会远低于预期。基金管理人可以下实现性能，这将导致对SIP的投资回报率低下。