SIP INVESTMENT - Complete GUIDE

Step 1: SIP-na Enna?

● SIP stands for Systematic Investment Plan. Idhu oru method dhan, unga salary la oru
small fixed amount invest pannrathukku.
○ Example: ₹500, ₹1,000 per month.
● Monthly or quarterly regular investment panni, mutual funds la growth create
pannalam.

Step 2: SIP Start Panna Enna Use?

● Affordable: ₹500/month range la start pannalam.

● Compounding Power: Unga returns re-invest aagirum, athu future la exponential
growth kudukkum.
● Market Volatility Risk Reduce: Market ups and downs nu worry panna vendam,
consistent investment nala average returns varum.
● Discipline: Regular savings habit develop pannalaam.

Step 3: Unga Investment Goal Decide Pannunga

1. Goal Enna?
○ House or car buy panna? Retirement save panna? Education goal-achieve
panna?
2. Time Period:
○ Short-term (1-3 years): Vacation, wedding planning.
○ Long-term (5+ years): Retirement, big wealth creation.

Step 4: SIP-ku Amount Fix Pannunga

● Online SIP calculator use pannunga.

○ Enter financial goal amount (Example: ₹10 lakhs in 10 years).
○ Enter expected return rate (10-12% for equity funds).
○ SIP monthly contribution auto-calculate aagum.
Step 5: SIP-la Mutual Fund Types

Mutual funds risk level, company size, goal basis la divide pannirukkanga. Below types la edhu
unga goal ku set agudho choose pannunga:

1. Index Funds

● Enna: Nifty 50 or Sensex la irukkura companies na follow panna funds.

● Yaaruku: Low-risk, stable growth expect panna beginners ku super.
● Example: HDFC Index Fund, ICICI Nifty Fund.

2. Large-Cap Funds

● Enna: Top 100 companies la invest pannu (e.g., TCS, Infosys).

● Yaaruku: Stability priority vaichirukavangaluku!
● Example: SBI Bluechip Fund, Axis Bluechip Fund.

3. Mid-Cap Funds

● Enna: Medium-sized companies la (101-250 range) invest seiyum.

● Yaaruku: Moderate risk eduthuttu higher returns expect panravangaluku!
● Example: Mirae Asset Mid-Cap Fund.

4. Small-Cap Funds

● Enna: Small companies (250+ rank) la invest seiyum.

● Yaaruku: High-risk eduthuttu long-term wealth create pannanumnu nenaikuravangaluku!
● Example: Nippon India Small-Cap Fund.

5. ELSS Funds (Tax-Saving)

● Enna: Tax-save panna Section 80C la benefit kudukkura funds (3 years lock-in period
irukkum).
● Yaaruku: Tax relief seek panra salaried employees ku.
● Example: Axis Long Term Equity Fund.

Step 6: Top Performing SIP Funds (2023-2024)

Best Funds List Based on Last Year's Performance:

Category Fund Name 1-Year Return (%)

 Large Cap Quant Large Cap Fund 52%

Mid Cap ITI Mid Cap Fund 62%

Small Cap Bandhan Small Cap Fund 69%

Flexi Cap Quant Flexi Cap Fund 57%

ELSS SBI Long Term Equity Fund 59%

Innum Detailed list, last ah attach paniruka!

Step 7: SIP Process Start Panna Eppadi?

1. Platform Select Pannunga: Apps like Zerodha Coin, Groww, Paytm Money.
2. Fund Choose Pannunga: Unga goal and risk basis la decide pannunga.
3. SIP Amount & Frequency Set Pannunga:
○ Example: ₹1,000 monthly.
4. Bank Account Link Panni Auto-Debit Enable Pannunga.

Step 8: SIP Monitor Pannunga

● Fund performance every 6-12 months check pannunga.

● Market fluctuate aagumbodhu withdraw panna vendam. SIP consistent-a irundha returns
varum.

PART 2: DEMAT ACCOUNT EPPADI OPEN PANNRADHU

SIP or mutual fund la invest panna Demat account venum. Below steps la Angel Broking and
Zerodha platform la account open panna solren.

Angel Broking Account Open Steps

1. Website/App Visit Pannunga:

○ Angel One Website or app download pannunga.

 2. Registration Process Start Pannunga:

○ Enter mobile number, PAN details, and email ID. OTP verify pannunga.
3. Documents Upload Pannunga:

○ PAN card
○ Aadhaar card (address proof ku).
○ Bank statement/cancelled cheque
○ Photo (passport-size).
4. E-Sign Process:

○ Aadhaar OTP verify pannunga.

5. Charges Pay Pannunga:

○ ₹200-₹300 range la one-time fee.

6. In-Person Verification:

○ Record or upload selfie/video.

7. Login Credentials Receive:

○ Angel app or website la use pannittu invest start pannalam.

Zerodha Account Open Steps

1. Website/App Visit Pannunga:

○ Zerodha Website or Kite app download pannunga.

2. Register:

○ Mobile number and email verify pannunga.

3. Details Fill Pannunga:

○ PAN card, Aadhaar, bank details enter pannunga.

4. Upload Documents:

○ PAN, Aadhaar, bank statement, and photo.

5. E-Sign Process:

○ Aadhaar-based OTP verification.

6. Pay Account Opening Fee:

○ ₹200-₹300 range.
 7. Verification Process Complete Pannunga:

○ Video upload or selfie record pannunga.

8. Start Investing:

○ Credentials mail la varum; app login panni stocks or SIP invest pannunga.

Angel vs Zerodha Comparison

Feature Angel Broking Zerodha

Account Opening ₹200-₹300 ₹200-₹300

Fee

Annual Maintenance ₹300/year ₹300/year

Best For Beginners & Traders Long-term Investors

Quick Tips:

1. Aadhaar Link Important: Aadhaar and mobile link irukku nu confirm pannunga.
2. Fund Diversification: Large-cap, mid-cap, and small-cap funds mix pannunga.
3. Consistency: SIP is for long-term patience, instant results expect panna vendam.

Based on the latest available data, here are some of the top-performing mutual funds across
various categories, along with their one-year returns:

1. Large Cap Funds

Large cap funds invest primarily in large, established companies, offering stability and moderate
growth.

Fund Name 1-Year Return (%)

Quant Large Cap Fund 52%

Bank of India Bluechip Fund 47%

 JM Large Cap Fund 45%

Nippon India Large Cap Fund 44%

Taurus Large Cap Fund 44%

Source: Moneycontrol

2. Mid Cap Funds

Mid cap funds focus on medium-sized companies with potential for higher growth, albeit with
increased volatility.

Fund Name 1-Year Return (%)

Quant Mid Cap Fund 65%

ITI Mid Cap Fund 62%

Motilal Oswal Midcap Fund 60%

Mahindra Manulife Mid Cap Fund 59%

HDFC Mid-Cap Opportunities Fund 57%

Source: Moneycontrol

3. Small Cap Funds

Small cap funds invest in smaller companies, offering the potential for significant growth along
with higher risk.

Fund Name 1-Year Return (%)

Bandhan Small Cap Fund 69%

Quant Small Cap Fund 66%

Mahindra Manulife Small Cap Fund 65%

ITI Small Cap Fund 62%

Nippon India Small Cap Fund 55%

Source: Moneycontrol

4. Flexi Cap Funds

Flexi cap funds have the flexibility to invest across market capitalizations based on the fund
manager's strategy.

Fund Name 1-Year Return (%)

Bank of India Flexi Cap Fund 59%

Quant Flexi Cap Fund 57%

JM Flexicap Fund 57%

Motilal Oswal Flexi Cap Fund 54%

ITI Flexi Cap Fund 52%

Source: Moneycontrol

5. Multi Cap Funds

Multi cap funds invest across large, mid, and small cap companies, providing diversified
exposure.

Fund Name 1-Year Return (%)

Kotak Multicap Fund 61%

HSBC Multi Cap Fund 56%

ITI Multi-Cap Fund 54%

Axis Multicap Fund 51%

Bank of India Multi Cap Fund 51%

Source: Moneycontrol

6. ELSS (Equity-Linked Savings Scheme) Funds

ELSS funds offer tax benefits under Section 80C and have a mandatory lock-in period of three
years.

Fund Name 1-Year Return (%)

SBI Long Term Equity Fund 59%

Quant ELSS Tax Saver Fund 55%

 Bank of India ELSS Tax Saver Fund 54%

Motilal Oswal ELSS Tax Saver Fund 54%

ITI ELSS Tax Saver Fund 51%

Source: Moneycontrol

Important Considerations:

● Past Performance: While these funds have performed well over the past year, past
performance does not guarantee future results.
● Investment Horizon: Align your investments with your financial goals and time horizon.
● Risk Tolerance: Assess your risk appetite before investing, especially in mid and small
cap funds, which can be more volatile.
● Diversification: Consider diversifying your investments across different fund categories
to mitigate risk.
● Professional Advice: Consult with a financial advisor to ensure these investments align
with your overall financial plan.

Remember, investing in mutual funds should be based on thorough research and aligned with
your individual financial objectives.