Confuse between SIP AND Single Investment

POSTED BY Jig ON May 1, 2011 11:30 am COMMENTS (3)

Hello All,

Everytime i heard about 12 % CAGR with SIP Investment.

we plan our retirement based on this with investing through SIP. but whatever the fund analysis we are doing and come to end with CAGR of 15%, No where it is mentioned that this is the return by SIP.

Very straight. watever the returns we are seeing on fund card, are they calculated for SIPs or those are the returns of money once invested and calculated after 5 or 10 or 15 years?

Please Clarify..



3 replies on this article “Confuse between SIP AND Single Investment”

  1. Jagadees says:

    If your investment horizon is over 10-15 years, u can go for lumpsum investment……where as if ur investment horizon is of 5-10 years, u can go for SIP which will help to average out market volatility…… If it is less than 5, then better not to invest in MF, rather u can for FD which is available quite attractive now…..
    My choice of fund would be Quantum long term equity fund with growth option…..


  2. jignesh says:

    Thats Great.
    Even Moneycontrol has also introduced now this facility.
    But my query was, should we go with one time or SIP if we consider long term investment.

    I want to invest 1 lac. which way i should invest in MF?

    Thanks for your reply


  3. Jagadees says:


    Returns appear on the fund card will be mostly of lumpsum single investment done before say 3,5,10 years……If u would like to know the SIP returns of the fund u can use SIP calculator in website…..


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