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RECOMMENDATION

Short Term Goals

Any goal between 6 months and 1 year can be classified as short-term goal. For e.g.: small medical expenses or any kind of emergency, short-travel plans.

How to Plan?

Investing for short-term goals should be about cutting down on risks and maintaining liquidity as you may need the money anytime either for emergencies or other plans.

Short term needs Long term Needs
Safety Chase stability and not returns
Returns Chase returns not stability

Medium term goals

Any goal between 2 to 5 years can be classified as a medium-term goal. For e.g. An international holiday or buying a bigger car

How to Plan?

It is important to get a balance between returns and risks while planning for medium-term goals, keeping inflation in mind. Money invested in equity gives your investment the much needed push while debt instruments gives you the much needed cushion against market volatility, thus providing a balance between risk and return.

Long term goals

Any of the goals which are 5 years and beyond can be classified under long term goals. For e.g. Children’s future planning, buying a dream house or planning your retirement.

How to Plan?

It is important to plan for long term goals with a vision of getting returns which are inflation adjusted by investing in equities or by allocating your assets equally in hybrid funds. Equity as an asset class has proven to be one of the most effective in combating inflation and providing better returns than inflation over longer periods of time. They are indeed volatile in the short term but over the long run the volatility too, comes down. SIP is an ideal way to plan your investment in equities

Average rolling returns

03 16.75%
05 16.51%
10 16.07%

Disclaimer: Based on a SIP of Rs. 10,000 in S&P BSE Sensex on the last day of the month. As on 31-01-2019. Source: Bloomberg Past performance may or may not be sustained in future.

Things to keep in mind while planning for wealth creation

  • Short term goals
  • Long term goals

SIP as one of the powerful tools for long-term wealth creation

Systematic investment is the way to go for creating long term wealth. A Systematic Investment Plan or SIP is a smart and easy way for investing your money in mutual funds in small amounts periodically instead of investing a lump sum amount. This ensures that you don’t get carried away by market fluctuations and your investment remains diversified, thus mitigating risks. Read More

Benefits

Plan for your future Target Amount

Target Amount Rs 01 Lac
75,000
1 Lac
2 Lac
3 Lac
4 Lac
5 Lac
10 Lac
15 Lac
20 Lac
25 Lac
50 Lac
75 Lac
1 Cr
1.25 Cr
1.50 Cr
1.75 Cr
2 Cr
2.25 Cr
2.50 Cr
2.75 Cr
3 Cr
3.25 Cr
3.50 Cr
3.75 Cr
4 Cr
4.25 Cr
4.50 Cr
4.75 Cr
5 Cr
50,000
in 01 Years
04
05
06
07
08
09
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
03
Years
%
Estimated Amount Rs 54,000 in year 2022 Invest Now