What is a SIP in a mutual fund?
Hello Investors, Today I am going to explain to you the meaning of (SIP) in mutual funds, and first of all, if you don't know the meaning of sip, you should know about it. The meaning of (SIP) is a systematic investment plan in full form.
So let's get inside what a systematic investment plan is and how it works. Why should you invest in a mutual fund (SIP) at an early age?
First, let me tell you the (sip) where I have invested in the last 10 years
Here is the SIP name.
1. Small-cap funds
2. Equity hybrid fund
3. Bluechip Fund
4. Hybrid Fund
I have been Investing In a Small Cap Fund last 10 years and it has given me good returns my money is not going down as I am a middle-class person and I think it's a good decision I took 9 years ago.
First I started with 500 hundred Rupees and then 1 year I found 6 thousand rupees was my investment and the interest I get is around 500 something, So I asked to mutual representative why my interest was so low
He said mutual funds work for long-term investment, like if you invest for 10 years, you get good returns. I am giving you an example.
like if you invest 1000 for 10 years
1000 into 12 months = 12000 rupees
1000 rupees = 10 years 120,000 rupees
The estimated Returns you get of 120,000 according to 18% is 2,10,000
And the final amount is Rupee 3,30,000
Let's talk about equity hybrid funds.
Equity Highbrid Fund is 26 years old, and Equity High brid Fund has seen lots of ups and downs in the market, Equity Highbrid Fund has given good returns to their investors in long-term investments.
Equity Highbrid Fund was known as the Magnum balanced fund before, but in 2018, it changed Equity High brid Fund to the Magnum balanced fund. Equity Highbrid Fund comes in Highbrid Category (Mutual Fund)
What is an equity hybrid fund?
Hybrid mutual funds are a type of mutual fund that invests in more than one asset class. Most often, they are a combination of equity and debt assets, and sometimes they also include gold or even real estate. Hybrid funds embody three fundamental philosophies: asset allocation, correlation, and diversification
Equity: The hybrid fund keeps 65% 80% of its allocation in equities and the balance 20% 35% in debt instruments.
Bluechip Fund
A blue-chip fund invests in stocks or shares of well-established companies with credible track records of financial performance that include, among other criteria, a steady payout of dividends and profitability over the years.
This fund has been an average performer if you have made a single investment of Rs. 1 lakh in this fund 10 years ago. So today your investment would be worth Rs 4,36000.
If you had started a SIP of Rs 10,000 10 years ago, your investment would have been worth Rs 25 lakh 72 thousand today.
Today we will look at the investment strategy of the SBI Bluechip Fund. Along with this, we will also look at its past earnings, portfolio valuation, and concentration.
I will also tell you some important features of this fund,
So today we are talking about SBI's Bluechip Fund.
It is a large Cap fund. Largecap funds make their investments in shares of companies. A company that is in the top 100 by market cap is usually the leader in its industry.
And they have performed well in the past. SBI Bluechip Fund invests a minimum of 80% of its assets in large-cap stocks.
Balance up to 20% invested in mid- or small-cap stocks or debt and money market instruments.
Let's look at the fund's past returns.
The fund's return in the last year was 20.18%, which is a benchmark return of 24.71%.
Fund returns were 15.19% and 12.33% over 3 and 5-year periods, respectively.
SBI Bluechip Fund has outperformed your benchmark in just 10 years.
The fund's return was 15.86%, which is a benchmark return of 14.45%.
SBI Bluechip Fund in February 2006
Hybrid Fund
Hybrid fund?
If you invest or want to invest, this hybrid fund can be the most beneficial for you. The stock market is once again on the rise, and with this, the hybrid fund investment hero is back today,
I will tell you what this front is and how it is different from other mutual funds. Hybrid funds are considered to be the safest among these items, and investment in them has also started increasing. One of the reasons for this is that a hybrid fund is a kind of mutual fund scheme that invests in both equity and debt; that is, it is the same fund that invests in many asset classes
What does it mean to have two juices?
Also, the returns are higher.
Now the question arises as to how hybrid points are better, so let us tell you that the specialty of this phone is that the money of the fund is also invested in debt along with equity.
Many times the money of the fund is also invested in gold, and the benefit of this diversification is also given and explained in easy language. Suppose the money invested in equity decreases or deteriorates according to the market environment, then the fund balances through debt and sleeping money.
Well, in this way, if the price of gold starts falling, the return through debt and equity is balanced.
Hybrid birds are of the type: first is an aggressive hybrid fund; second is a conservative hybrid fund; third is a dynamic asset allocation fund; fourth is a multi-asset allocation point; fifth is an orbit cross fund; and small equity savings account experts believe that hybrid funds always give questionable returns.
They can withstand market fluctuations. Experts talk about 20 to 30 percent return on investment in 5 to 7 years. Noida-based co-founder Har Chetan Wala says investors who want returns less than equity and a little more than anan d debt funds can invest in hybrid funds.
Fund managers create a balanced portfolio of equity and debt according to the market and the state of the economy.
So should you invest in hybrid funds?
Experts always say to take an interest in this segment for five years to earn big profits. You can also look at India's integral top and hybrid funds.
Disclaimer
I am not a financial advisor, I have invested 10 years of my life in mutual funds, and based on that I am writing this blog post. If you have any questions, you can tell me in the comment box.
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