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Ask any financial planner the mantra for creating wealth in the long term and he is most likely to advise regular, disciplined savings in a carefully chosen basket of investments that suits your risk profile. Shorn of jargon, what this means is that a systematic investment plan (SIP) in a good mutual fund can create wealth in the long term. SIPs are not only for the long term. You could be saving for the down payment of your house 15 months away or for your child's college education three years from now. "An SIP is the ideal vehicle for goal-based investing as it allows you to plan ahead and harness different asset classes.

 

The best thing about SIPs is that they take emotions out of the investing decision. The investor need not agonise whether the market is down or wait for things to brighten up before he enters it. If he is investing through an SIP, he will automatically invest on the specified date of the month. The benefits don't stop here. If mutual funds help investors to diversify across a basket of stocks, SIPs help him diversify over time. By spreading the investment across a long period, the investor is able to average out the cost of purchase. This is also a convenient mode for those who may not have money to invest a lump sum.

 

Unfortunately, not many small investors are able to harness the power of SIPs to their advantage. It has often been noticed that when the markets go down, many small investors stop or terminate their SIPs. This defeats the whole purpose of investing through this mode. By stopping the SIP during a market slump, the investor forgoes the chance to buy more units at a lower price, which can yield a good return when the market turns around.

 

Our cover story this week looks at smart strategies to make the most of your SIPs.

Whether it is linking SIPs to goals, or increasing the amount every year in line with the increase in income, these ideas will help you maximise the gains from your SIPs.

For further information contact Prajna Capital on 94 8300 8300 by leaving a missed call

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