Investing in mutual funds can be a good way, but investing without understanding it can also be risky. The right decision should be taken so that you do not have to regret later.

Determine your goal before investing

Why do you want to invest in mutual funds? Are you investing for a long term such as retirement, children’s education or for a short-term such as a vacation or buying a car? Select the fund based on your investment period and goal. Equity funds may be better for long-term investments, while debt funds for short-term investments.

Understand the risk profile

Every mutual fund has its own risk level, which depends on the risk tolerance of the investor. Equity funds are more risky and give high returns in the long run. Debt funds are less risky, but the returns from them are low.

SIP (Systematic Investment Plan)

Through SIP, you can invest a fixed amount every month, which protects you from market fluctuations over time. Invest in mutual funds through SIP so that you get better returns over time.

Diversification

While investing in mutual funds, keep in mind that your money should not be in just one fund. You can reduce your risk through diversification. Invest in different types of funds such as equity funds, debt funds, hybrid funds etc.

Pay attention to liquidity

Invest while understanding liquidity, so that you can get your money immediately when needed.

Understand taxes

Mutual funds are also taxable. Capital gains tax is applicable on returns earned from any fund. Plan your taxes and choose tax-efficient funds (eg ELSS funds can help save taxes).

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After receiving the application, the mutual fund company will have to complete this process within two days (T+2). This will help investors avoid penalties and other financial troubles. The new rule has been implemented.

Earlier, this was the process

Earlier, investors had to apply 10 working days in advance to cancel SIP. It was difficult to correctly estimate the status of the bank account in such a long time, due to which the installment often bounced. Due to this, investors had to pay additional charges like ECS or mandate return charges. SEBI has simplified the cancellation process to solve this problem. The new rule will apply to both online and offline SIPs.

Think of the new process as

Suppose an investor’s SIP installment is on the 10th of every month. In some month, there is not enough money in his account till the 7th. In such a situation, he can request to stop or close the SIP on the 7th. The mutual fund company has to cancel it before the 10th. In the meantime, no penalty will be imposed on the investor.

Instructions to mutual fund companies

1. Companies will now have to cancel auto-debit or ECS instructions within two working days.

2. The investor needs to be informed in case of missing the SIP installment for the first time.

3. The investor must be informed that if he misses paying the installment for three consecutive times then the SIP will be stopped completely.

4. Information regarding cancellation of SIP will have to be given to the investor by sending a message.

5. SIP cancellation option must be made available on all platforms.

Big relief for investors

This decision of SEBI is being considered a big step towards transparency in the mutual fund industry and strengthening the rights of investors. Experts say that this new rule will be a big benefit for SIP investors. Now they will not have to fear fines and they will be able to have better control over their investments. This step will not only increase the convenience of investors but will also help them in financial planning.

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Here we are going to tell you about such a mutual fund scheme, which has given strong returns to its investors in the long term. Under this mutual fund scheme, the money of investors doing monthly SIP of Rs 10000 increased to Rs 2.9 crore in a period of 22 years. The name of this scheme is ICICI Prudential Multi-Asset Fund.

How much return did investors get?

Investors in this fund have invested a total of Rs 26.4 lakh in the last 22 years under a monthly SIP of Rs 10,000. In this way, this amount has grown to about ₹ 2.9 crore. Launched in October 2002, this fund has given strong returns in SIP performance with a compounded annual growth rate (CAGR) of 18.37% till 30 September 2024. In comparison, the same SIP investment in the fund’s benchmark would have achieved a CAGR of 14.68%.

This fund has also given good returns to those who invest lump sum. Under this, a lump sum of ₹10 lakh invested initially would have grown to around ₹7.26 crore, with a CAGR of 21.58%. In contrast, the same amount invested in the scheme’s benchmark would have grown to ₹3.36 crore, with a CAGR of 17.39%. The benchmark indices include Nifty 200 TRI (65%), Nifty Composite Debt Index (25%), Domestic Price of Gold (6%), Domestic Price of Silver (1%), and iCOMDEX Composite Index (3%).

What is special in this fund?

As one of the largest multi-asset funds in India, ICICI Prudential Multi-Asset Fund manages assets worth ₹50495 crore as of September 2024, representing 48.29% of the total assets of the category.

The fund’s multi-asset strategy includes investments in equity, debt and commodities such as gold and silver, as well as real estate investment trusts (REITs) and infrastructure investment trusts (InvITs). The fund’s managers follow a diversified approach aimed at minimising risk and maximising returns by spreading investments across multiple asset classes.

Statement by the Executive Director of ICICI Prudential AMC

Sankaran Naren, Executive Director and Chief Investment Officer, ICICI Prudential AMC, said the fund’s allocation strategy has helped mitigate market volatility and deliver favourable risk-adjusted returns. ICICI Prudential Multi-Asset Fund is managed by a team of seven fund managers, including Sankaran Naren, Ihab Dalwai and Manish Banthia, who are experts across multiple asset classes.

The scheme requires a minimum 10% allocation across at least three asset classes and has benefited from this diversified approach over time. It remains open-ended, with the aim of achieving long-term returns through disciplined asset allocation across multiple market caps and asset classes.

Disclaimer: The information provided here is for information purposes only. It is important to note here that investing in the market is subject to market risks. Always seek expert advice before investing as an investor. Rights Of Employees never recommends investing money to anyone.

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For this, there are some rules and conditions, which are very important to follow. If you invest haphazardly by deviating from the rules, there is a greater possibility of loss than earning from SIP. There are some such secret plans of SIP that you can become a millionaire even by depositing small amounts. There is one such secret plan, by following which you can create a big fund of up to Rs 1 crore through SIP. Let’s know about it.

People with a salary of 20 thousand can also earn 1 crore rupees

The most important thing about SIP is that it is not necessary to have a hefty salary to invest through it. Even if your salary is 15 or 20 thousand rupees a month, you can still deposit up to 1 crore rupees by investing in SIP. You do not need to rush for this. You have to be patient and keep depositing money in the account regularly for a long time. Unless you deposit money regularly, you cannot expect to earn a lot.

What is the 70:15:15 secret plan of SIP?

To earn a lot from SIP, you can use the secret plan of 70:15:15. This secret plan depends on your monthly income. Suppose your salary is Rs 20,000. Then under the secret plan of 70:15:15, you should keep aside 70% of this Rs 20,000 for household expenses. If you keep aside 70% of Rs 20,000 i.e. Rs 14,000 for household expenses, then you will have Rs 6000 left as 30% amount. Now from the remaining amount, keep aside 15% i.e. Rs 3000 for emergency. Then you will be left with 15% amount. 15% amount means Rs 30000. Now invest this Rs 3000 in the mutual fund of any company through SIP.

How to get Rs 1 crore from Rs 3000?

Now if you have decided to invest under the 70:15:15 plan of SIP, then let us tell you that you will have to deposit Rs 3000 every month in any mutual fund. You will have to do this continuously for 30 years. Now if you deposit Rs 3000 every month, then you will be able to deposit Rs 36,000 in a year. In the next 30 years, you will have Rs 10,80,000 deposited. Generally, on depositing money in SIP, the investor gets 12% return annually.

Apart from this, there is also the benefit of compounding. At the rate of 12%, in 30 years, you will get Rs 95,09,741 as a return on your Rs 10,80,000 at the rate of 12%. Now if you add your principal of Rs 10,80,000 and return of Rs 95,09,741, then a huge fund of Rs 1,05,89,741 will be deposited in your account. Now you tell me whether the 70:15:15 SIP plan is beneficial for you or not?

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However, no one will be able to stop you from becoming rich by saving a little money every day and investing it in the right place. Today’s digital age has made it easy to create a big fund. Today people invest in the stock market to double or triple their money in a short time. But if you want to avoid the risk of the stock market, then Mutual Funds can be a better option. Through Systematic Investment Plan (SIP), you can become a crorepati by depositing just Rs 100 every day…

You may not be able to believe these things, so here we are going to tell you in detail how and how much you will have to invest to become a millionaire through SIP and how much time it will take.

If you want to fulfill your dream of becoming a millionaire, then start saving not much but just Rs 100 every day. After this, invest this money of your savings in mutual fund SIP. You get an average return of up to 12 percent in mutual funds. However, this is not a guaranteed return, it keeps changing from time to time. It can be more or less.

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Suppose you saved Rs 100 daily, which means it became Rs 3000 per month. Now you invested this Rs 3000 in mutual fund SIP. Now if you invest the same amount in it for 30 years continuously, then in this way you will be able to invest a total of Rs 10,80,000 in 30 years.

According to the SIP Return Calculator, if you invest Rs 3000 every month and get a return of 12%, then after 30 years your total investment will be Rs 10,80,000. But if you add a return of Rs 95,09,741 to it, your total money will become Rs 1,05,89,741. You can easily do this calculation yourself using the SIP Calculator.

In this way, by investing in Mutual Funds, you can increase your money many times and fulfill your dream of becoming a millionaire.

Let us tell you that SIP is a great way through which you can deposit money for a long time. However, before investing you should consult a financial advisor. For more information related to this, you can contact a financial advisor.

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You can invest in SIP in case of financial crunch in future or to meet your expenses. SIP means Systematic Investment Plan. If you do not want to invest directly in the stock market then SIP is the perfect option for you. In SIP a fixed amount has to be deposited at every regular interval. Know here how a fund of Rs 20 lakh can be deposited through SIP with a monthly deposit of Rs 25 thousand.

How to make Rs 20 lakh, this is the calculation

According to the calculation, you will have to invest Rs 25,000 every month. This means you will invest Rs 3 lakh in 1 year. You will have to make this monthly investment for 5 years. That means you will invest a total of Rs 15 lakh in SIP for 5 years. Now suppose you get 12% annual return on investment. Keep in mind, you also get the benefit of compounding on interest. That means you can earn interest on interest also.

According to the calculation

You will get a total interest of Rs 5,62,159 on SIP investment. At the time of maturity, you will get the investment amount and interest amount together, which will be ₹ 20,62,159.

Keep in mind, to earn profits in SIP, you are advised to invest for a long time. Stock market fluctuations can affect your SIP returns. Before following this plan, please consult your financial advisor.

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Mutual Fund

Mutual Fund SIP helps the investor to get compounding benefits over the long term. Hence most of the mutual fund SIP investors go for long term investment. So if your goal as an investor is to accumulate Rs 1 crore, there is a simple and effective strategy that you can follow and that is the 15x15x15 rule.

What is the 15x15x15 rule of mutual funds?

The 15x15x15 rule of mutual funds involves investing Rs 15,000 every month for a period of 15 years in a fund giving 15% annual returns. This means that you will have to invest Rs 500 every day for 30 days of the month and this investment will have to be done for 15 years.

SIP In simple terms, SIP of Rs 15,000 every month for 15 years under this formula, which earns an average 15% compound annual return, would enable you to accumulate Rs 1 crore. Are. Till this, by investing 15 thousand every month, an investment of 27 lakh rupees will be done through you in 15 years.

What is compounding?

Compounding refers to the process of earning interest on your interest, thereby making your investment grow handsomely over time. By investing just Rs 15000 per month for 15 years in a stock giving 15% annual return, you can accumulate a fund of Rs 1,00,27,601. In other words, you will earn a profit of Rs 73 lakh on an investment of only Rs 27 lakh in this way.

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You can become a millionaire even by saving just 10 rupees every day. For this you just need to know the right formula of investment. If you invest wisely, you will build up a very substantial bank balance. You have to save ten rupees daily from your salary or income. Focus on right investment, planning, strategy and target can fulfill your wish.

This is how you will become a millionaire by saving 10 rupees

If you can save only 10 rupees daily then you can also become a millionaire. For this you just have to do the right planning. You can get strong returns by investing long term. If you save Rs 10 every day, you will save Rs 300 in a month. You have to invest these 300 rupees in Mutual Fund. Long term investment in mutual funds gives tremendous returns. In this you can get a return of 15 to 20 percent.

Start like this

You can invest this Rs 300 in Systematic Investment Plan ie SIP. You understand it this way, suppose you are 20 years old and you invest Rs 300 in SIP. You do this for 40 years. In this case, your total investment in SIP will be Rs 2,40,000. Now suppose you get 15% return on it. In this case, if you keep getting 15% return, then in 40 years your estimated return will reach Rs 1,54,61,878 and the total value will reach Rs 1,57,01,878. You will easily become a millionaire.

Investing in SIP is easy

Mutual funds SIP. Investing here is very easy. There are many options in mutual funds according to the risk capacity and tenure of different people. The most important thing is that you do not have to invest any huge amount at once.

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It works like a Systematic Investment Plan (SIP) of a mutual fund. That is, you have to invest a fixed amount every month in it. On this, you get a pre-fixed interest. However, for this it is important that you have the required amount of money to invest every month.

This investment is suitable for those who do not have the money to invest together but they have regular income in which they can invest some money. Please tell here that the income earned on investment in RD is taxed. Both the money invested in RD and the interest earned are taxable.

Rate of interest

Since May last year, the Reserve Bank of India (RBI) has increased interest rates six times in a row. Many banks have increased the interest rates on RD with a period of 5 years. The repo rate has been increased by 2.50 percent. After that most of the banks have increased the interest rates on RD as well.

DCB Bank (DCB Bank)

DCB Bank pays 7.60 per cent interest on RD with a period of five years. It is offering the highest interest on RD among private banks. If you invest Rs 5,000 every month for five years, you will end up with Rs 3.66 lakh.

Suryoday Small Finance Bank

Suryoday Small Finance Bank offers 7.5 percent interest for a five-year RD. Sunrise is offering the highest interest among small finance banks. If you invest Rs 5,000 every month for five years, you will eventually get Rs 3.65 lakh.

IndusInd Bank

IndusInd Bank gives 7.25 percent interest on RD for a period of five years. If you invest Rs 5,000 every month for five years, you will get Rs 3.62 lakh on maturity.

Ujjivan Small Finance Bank

AU Small Finance Bank and Ujjivan Small Finance Bank are paying 7.20 per cent interest on five-year RD. If you invest Rs 5,000 every month, you will get Rs 3.62 lakh on maturity.

Axis Bank

Private banks Axis Bank, HDFC Bank and ICICI Bank are paying 7 percent interest on five-year RD. IDFC First Bank, RBL Bank and Yes Bank are also offering 7 percent interest on 5-year RD. If you invest Rs 5,000 every month, you will eventually get Rs 3.60 lakh.

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For example, you can start SIP with just Rs 500, increase the investment over time, pause the SIP if needed and start it again from there etc. Apart from this, despite being linked to the market, the risk in SIP is considered less and the returns are better.

Most experts believe that on an average up to 12 percent interest is available through SIP and sometimes this interest can be up to 15 and 20 percent. In this you get the benefit of compounding, in this case you can easily create wealth through SIP. The longer you run the SIP, the better you will benefit. If you are going to start SIP for the first time, then let us tell you how much return you will get in 5, 10, 15 and 20 years from a monthly SIP of Rs 1000.

5 year SIP

According to the SIP calculator, if you start a monthly SIP of Rs 1000, then in 5 years you will invest a total of Rs 60 thousand, but you will get a total of Rs 22,486 as interest and a total of Rs 82,486 as 12% return. . On the other hand, if the return is 15 percent, then a total of Rs 89,682 will be received with an interest of Rs 29,682.

10 year SIP

On the other hand, if this SIP is continued for 10 consecutive years, then the total investment will be Rs.1,20,000. At 12%, you will get Rs 1,12,339 as interest, which is almost equal to your investment. In this way after 10 years you will get a total of Rs 2,32,339.

15 year SIP

If the SIP of Rs 1000 is continued for 15 consecutive years, the total investment will be Rs 1,80,000. But with 12% compounding interest, you will get a total of Rs 3,24,576 as interest, which is much more than your investment. In this way after 15 years you will get a total of Rs 5,04,576.

20 year SIP

On the other hand, if you invest only Rs 1000 per month continuously through SIP for 20 years, then your total investment will be Rs 2,40,000. But as a 12 percent return, you will get a total of Rs 7,59,148, which is more than double your invested amount. In this way after 20 years you will get a total of Rs 9,99,148.

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Due to the rally in the stock market, those investing in mutual fund SIPs have also got good returns. In this mutual fund SIP (Systematic Investment Plan) investment, an investor can become a crorepati by investing ₹15,000 per month for 15 years.

For a mutual fund investor, there are several rules for maximizing one’s returns. The 15 x 15 x 15 rule of mutual funds is one of them. Through this you can get excellent returns on your investment.

Know what the rule says?

This rule says that if an investor invests in mutual funds for a long period, then the return will be 15 percent. That is, anyone can become a millionaire in just 15 years. However, the mutual fund calculator suggests that one can double their maturity amount and get over ₹2 crore in 15 years if the annual step up of 15 per cent is maintained.

Understand by example,

if someone does a monthly SIP of Rs 15 thousand for 15 years, then your invested amount will be Rs 27 lakh. In such a situation, if you assume an annual return of 15%, then you can get a total estimated return of up to Rs 74,52,946 on your investment. This means that your Rs 27 lakh will become Rs 1,01,52,946 after 15 years. In this way, you can become a millionaire by depositing 15 thousand rupees every month in 15 years.

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