Estimate future returns for your monthly mutual fund investments. No login needed.
A Systematic Investment Plan (SIP) uses the compound interest future value formula to estimate maturity amounts:
Where:
• FV: Future Value (expected maturity amount).
• P: Amount invested monthly.
• r: Monthly rate of return (Annual expected rate / 12 / 100).
• n: Total number of monthly installments (Tenure in years × 12).
SIPs offer structural advantages for individual retail investors looking to build long-term wealth:
| Criteria | SIP (Mutual Funds) | Lumpsum (Mutual Funds) | Fixed Deposit (FD) |
|---|---|---|---|
| Investment Style | Periodic (Monthly/Weekly) | One-time payment | One-time payment |
| Market Risk | Medium to High (Averaged out) | High (Depends on entry timing) | None (Guaranteed return) |
| Average Returns | 12% - 15% (Historical average) | 12% - 15% (Historical average) | 5% - 7% (Fixed by bank) |
Yes, most asset management companies (AMCs) allow you to increase (top-up) or decrease your SIP contributions, or pause them for a few months if needed.
Missing an installment will not cancel your investment or attract legal penalty. The fund house simply does not buy units for that month. However, your bank might charge an ECS bounce fee.
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