What is a SIP? A Systematic Investment Plan invests a fixed amount every month, buying more units when markets fall and fewer when they rise. Over long horizons, this rupee-cost averaging plus compounding does the heavy lifting.
Illustration only; assumes a constant return compounded monthly. Actual returns vary and are not guaranteed. Mutual fund investments are subject to market risks.
When lumpsum? Bonuses, property sale proceeds, FD maturities. For large amounts in volatile markets, we often recommend staggering entry via an STP — ask us how.
Illustration only; assumes a constant annual return. Actual returns vary and are not guaranteed.
What is an SWP? A Systematic Withdrawal Plan pays you a fixed amount monthly from your corpus while the balance stays invested — a self-designed pension, often more tax-efficient than interest income.
Illustration only; assumes constant returns and withdrawals, computed monthly. Actual outcomes vary and are not guaranteed.
How to use. Pick the goal — child's education, a home, a business fund. Enter its future cost and your timeline; we compute the exact monthly SIP that gets you there. Turning goals into monthly numbers is the entire secret of planning.
Illustration only; assumes a constant return compounded monthly. Actual returns vary and are not guaranteed.
Why step up? Your income grows every year — your SIP should too. Increasing contributions by even 10% annually can add dramatically to the final corpus, because your biggest instalments come in your highest-earning years. Compare the two numbers on the right.
Illustration only; assumes returns compound monthly and the SIP increases once every 12 months. Not guaranteed.
The assumptions. Expenses grow with inflation until retirement; the corpus then sustains withdrawals for 25 years post-retirement earning a conservative 8% while expenses keep inflating. Your existing savings are assumed to grow at the pre-retirement return and are netted off the target. This is a planning estimate — your written plan refines it with your actual assets.
Illustration only; assumes constant rates, 25 years in retirement, and that existing savings grow at the pre-retirement return. Actual planning accounts for EPF, NPS, property and asset-wise returns. Not guaranteed.