Mutual fund investments
We don’t sell a “fund of the month”. We start with what the money is for and when you need it — then choose from 19 fund houses, with no favourite.
From ₹500 a month · No fee · Units always held in your name
Key ideas
First step
Keep six months of expenses in a safe fund you can withdraw from quickly. Then a bad month won’t force you to sell when markets are down.
Save for the bad month before you invest for the good years.
Compounding
In a 30-year SIP, the last ten years usually add more money than the first twenty together. So don’t start late, and never stop.
Time does the hard work. Your job is to stay invested.
The right mix
How much you put in equity (shares) and how much in debt (bonds) decides most of your result.
Get the mix right and the rest gets easier.
SIP in a falling market
The same monthly amount buys more units when prices are low. That’s why falling months are the wrong months to stop.
When prices fall, your SIP quietly buys more.
Categories
Large cap, mid cap, small cap, flexi cap and hybrid are fixed types set by SEBI. Compare a fund only with funds of the same type.
Compare a fund only with similar funds.
Tax
Equity and debt funds are taxed differently. So we plan your exit before you need the money.
Plan your exit on a calm day, not in a rush.
Review
The question isn’t whether your fund beat the Nifty last quarter. It’s whether your goal is still on track.
Measure against your own goal, not someone else’s.
Ways to invest
Which one suits you depends on whether you have a monthly surplus, a lump sum sitting idle, or savings that now need to pay you an income.
Invest a fixed amount every month. Build wealth steadily without timing the market.
SIP calculatorPut a single amount to work today and let compounding do the rest.
Lumpsum calculatorMove money slowly from a debt fund into equity, to smooth out your entry.
Plan an STPTake a regular monthly income from your savings without selling everything.
SWP calculatorFund houses
We work with all of them and are paid the same way by each. So the choice is about you, not about who we work with.
Working with a fund house is not an endorsement. A fund is chosen for your goal and time frame.
Types of mutual fund
Lends to governments and companies. Steadier than equity and taxed at your slab rate — suits money needed in a year or two.
Holds both equity and debt, so the balancing is done inside the fund for you.
Owns company shares. Goes up and down the most, so it needs the longest time frame.
Equity with a three-year lock-in — the shortest of the 80C options. Chosen on merit, not on the March deadline.
Locked in until the child turns 18, or for five years — whichever comes first.
Locked in for five years or until retirement age — whichever is earlier.
Invests in one sector only. Higher risk — a small side holding, never the core.
Built around one idea across sectors. Same concentration risk as a sectoral fund.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
Goals we plan for
Each goal has a different time frame and a different tolerance for a bad year. That should drive the fund choice — not last year’s returns.
Your longest goal. Most people start ten years late.
Plan this goal Long termA fixed date you cannot move.
Plan this goal Long termA long horizon with a flexible date.
Plan this goal Medium termUsually three to seven years away.
Plan this goal Medium termELSS chosen on merit, not on the March deadline.
Plan this goal Short termSix months of expenses, ready the same day.
Plan this goal Short termFees, premiums and festivals that come every year.
Plan this goal Short termA short horizon, so keep it safe.
Plan this goal Medium termCourses or a career change, planned on purpose.
Plan this goalComparison
Not an argument that funds always win — an honest comparison, so you can see where each one fits.
| Option | Indicative return | Lock-in | Tax | Best used for |
|---|---|---|---|---|
| Equity mutual fund | 10–13% p.a.* | None | LTCG above ₹1.25L at 12.5% | Goals 7+ years away |
| ELSS (80C) | 10–13% p.a.* | 3 years | As equity, plus 80C relief | Tax saving with growth |
| Debt mutual fund | 5–8% p.a.* | None | Slab rate | One month to two years |
| Fixed deposit | 6.5–7.5% p.a. | Term-bound | Slab rate | Money needed within 2 years |
| Recurring deposit | 6.5–7% p.a. | Term-bound | Slab rate | Short, regular saving |
| PPF | ~7.1% p.a. | 15 years | Tax-free | The safe core of retirement |
| Sukanya Samriddhi | ~8.2% p.a. | To age 21 | Tax-free | A daughter’s education fund |
| Savings account | 2.7–4% p.a. | None | Slab rate | Emergency money only |
* Illustrative long-run ranges for planning conversations. Mutual fund returns are not assured and past performance does not indicate future results. Deposit and small-savings rates change from time to time.
Your guide
Mr. Santosh started his first SIP in 2007, the month he joined Persistent Systems. It has run every month since — through the market falls of 2008, 2013 and 2020. He suggests nothing he hasn’t done with his own money.
SIR Financial Services app
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Questions
No fee and no obligation. We look at what you have and tell you plainly what we would change.
We never hold your money. Payments go straight to the fund house.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future returns.
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