Mutual Fund SIP Calculator
What is Mutual Fund SIP?
SIP (Systematic Investment Plan) ek aisa process hai jisse aap fixed amount har mahine mutual fund me invest karte hain. Ye aapko disciplined investing ki aadat dalta hai aur market ki volatility ko average karta hai.
Mutual Fund SIP ke Fayde
- Rupee Cost Averaging: Market ke uncertainty ke bawajood, SIP se aap average price par units kharidte hain.
- Compounding ka Benefit: Lambe samay tak SIP lagane se compounding se achha profit mil sakta hai.
- Small Investments: Aap apne budget ke hisaab se kam amount mein investment shuru kar sakte hain (₹500/month bhi possible hai).
- Financial Discipline: Regular Investment se aap apne goals ke liye consistent bante hain.
Mutual Fund SIP ke Nuksan
- Market Risk: Market girne par returns bhi kam ho sakte hain ya negative ho sakte hain.
- Liquidity: Kuch funds me lock-in period hota hai jaise ELSS me 3 saal.
- No Guaranteed Returns: Mutual funds me return guarantee nahi hoti, past performance future returns ki guarantee nahi hai.
Kaun Kaun SIP Kar Sakta hai?
- Koi bhi adults (18+), minors ke liye parents ke through account bana sakte hain.
- Monthly salary wale, professionals, business persons – sabhi.
Tips for SIP Investors
- Lamba tenure choose karein, market fluctuations ko ignore karein.
- Har saal thoda amount badhayein (SIP Step-Up ka use karein).
- Goals fix karein aur unke hisaab se invest karein.
Disclaimer: Investment mein risk hoti hai, apne advisor se salah mashwara zaroor karein.
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