Top SIP Mutual Funds in India: Your Ultimate Guide to Smart Investments
Understand your risk tolerance and investment goals by taking a detailed risk analysis quiz on Cube Wealth. Gain access to handpicked mutual funds tailored to your profile. Cube Wealth offers SIP options starting from as low as ₹1000, making investing affordable and convenient.
Watch this : Top 3 Mutual Funds for SIP
Types of SIP Mutual Funds:
Liquid Funds:
Debt Funds:
Equity Funds (5-Year Investment):
- Motilal Oswal Focused 25 Fund (Conservative)
- Axis Focused 25 Fund (Moderate)
- Motilal Oswal Midcap 30 Fund (Aggressive)
International Funds (5-Year Investment):
- Edelweiss Greater China Equity Off-shore Fund
- Franklin India Feeder – Franklin U.S. Opportunities Fund
- PGIM India Global Equity Opportunities Fund
ELSS Funds (5-Year Investment):
- Mirae Asset Tax Saver Fund
- Kotak Tax Saver Fund
For 10-Year Investments:
Best Debt Funds:
Best Equity Funds:
- Mirae Asset Large Cap Fund
- Canara Robeco Emerging Equities Fund
- Kotak Small Cap Fund
Best International Funds:
- Invesco Pan European Equity Fund
- Nippon India Japan Equity Fund
- Motilal Oswal S&P 500 Index Fund
Best ELSS Funds:
- Mirae Asset Tax Saver Fund
- Kotak Tax Saver Fund
For 15-Year Investments:
Best Debt Funds:
Best Equity Funds:
- Motilal Oswal Focused 25 Fund (Conservative)
- SBI Flexicap Fund (Moderate)
- Axis Small Cap Fund (Aggressive)
Best International Funds:
- Edelweiss Greater China Equity Off-shore Fund
- Franklin India Feeder – Franklin U.S. Opportunities Fund
- Invesco Pan European Equity Fund
Should You Invest In A SIP Mutual Fund?
Timing the market is perhaps one of the most difficult things to do as an investor. A SIP helps you negate this by letting you invest across market cycles.
This leads to a popular phenomenon called rupee cost averaging which may be the biggest advantage a SIP has over one-time lump sum investments.
Rupee cost averaging helps you average out the fluctuations of the market. It can be easily understood with this hypothetical example:
| Investor Tom (SIP) | Investor Jerry (Lump sum) | ||||
| NAV | Invested | Units | NAV | Invested | Units |
| 20 | ₹10,000 | 500 | 20 | ₹40,000 | 1500 |
| 10 | ₹10,000 | 1000 | X | X | X |
| 20 | ₹10,000 | 500 | X | X | X |
| 25 | ₹10,000 | 400 | X | X | X |
| Total | ₹40,000 | 2400 | Total | ₹40,000 | 2000 |
Benefits of SIPs:
Rupee Cost Averaging:
- SIPs mitigate market volatility through rupee cost averaging, ensuring steady wealth creation.
Affordability and Convenience:
- SIPs start as low as ₹1000, making them accessible for all investors.
- Cube Wealth offers features like QuickSIP and SuperSIP, allowing easy and flexible investments tailored to your needs.
Also read: Top International Mutual Funds for 2023: A Comprehensive Guide
Conclusion:
Invest confidently in SIP mutual funds through Cube Wealth, backed by expert recommendations and innovative features. Start your journey to financial growth today.
