SIP: Long Term Investment ka Sahi Tarika
Systematic Investment Plans (SIPs) aajkal long-term wealth banane ka ek popular tareeka ban gaya hai. Discipline aur compounding ki power se, Rs 5,000 ka monthly SIP bhi ek bada fund ban sakta hai.
Rs 50 Lakh ka Target?
Agar aap Rs 50 lakh ka fund chahte hain, toh yeh plan aapke liye hai. SIP ki sabse achhi baat yeh hai ki aap kam amount se bhi shuru kar sakte hain. Agar aap Rs 5,000 per month se start karte hain, toh consistency important hai.
Rupee Cost Averaging ka Power
SIPs rupee cost averaging se powerful bante hain. Aap har month ek fixed amount invest karte hain, jab prices kam hote hain toh zyada units khareedte hain aur jab prices high hote hain toh kam units khareedte hain.
Rs 50 Lakh ka Calculation
Final corpus teen cheezon par depend karta hai:
* Monthly SIP amount
* Expected annual return
* Investment ka duration
Agar return 12% per annum hai (jo equity mutual funds mein usually hota hai), toh Rs 50 lakh tak pahunchne mein kitna time lagega, aaiye dekhte hain:
* Rs 5,000 per month for 20 years @12% per annum: around Rs 49.95 lakh
* Rs 5,000 per month for 21 years @12% per annum: around Rs 57 lakh
Iska matlab hai ki agar aap Rs 5,000 per month ek mutual fund SIP mein invest karte hain, toh aap Rs 50 lakh ka goal 20 years mein achieve kar sakte hain, agar aap invested rehte hain aur market returns stable rehte hain.
SIP Amount Badhayein
Agar aap Rs 50 lakh jaldi pahunchna chahte hain, toh SIP step-up feature use karein. Isse aap apne monthly SIP amount ko time ke saath badha sakte hain, jaise har saal, jab aapki income badhti hai. Yeh aise kaam karta hai:
* Rs 5,000 per month se start karein.
* Har saal SIP ko 10% se badhayein.
* Agar returns 12% per annum hain, toh aap around Rs 51 lakh 16 years mein pahunch sakte hain.
Yeh strategy un salaried individuals ke liye best hai jinki income time ke saath badhti hai.
Stay The Course
Equity markets short term mein volatile ho sakte hain. Aapki SIP value upar neeche ho sakti hai, lekin invested rehna important hai. Jab markets down ho toh stop ya redeem karne se bachein. Volatility aapka friend hai jab aap regularly invest karte hain—yeh aapko kam prices par zyada units deta hai.
Monitor aur Rebalance
SIPs best tab kaam karte hain jab unhe disturb na kiya jaaye, lekin apne portfolio ko annually review karna achha hai. Dekhein ki funds apne peers aur benchmark ke hisab se achha perform kar rahe hain ya nahi. Agar nahi, toh better-performing alternatives par switch karne ka sochein.
Rs 5,000 per month se Rs 50 lakh ka corpus banana possible hai, agar aap mein patience aur discipline hai. Jaldi start karne se compounding ki power se aapko target achieve karne mein help mil sakti hai. Retirement, bachche ki education, ya dream home ke liye save kar rahe hain, toh SIPs aapka best investment option ho sakta hai long-term wealth banane ke liye.
