Amit Kumar’s Post

🚫 Stopping Your SIP for Just 2 Months Could Cost You ₹8 Lakhs! 🚫 Yes, markets took a sharp dip in October 2024, the biggest drop in recent years. This has led many investors to hit “pause” on their SIPs, planning to resume once the volatility reduces. But here’s why that’s a big mistake. Let’s break it down: ➡️ Imagine you invest ₹25,000 monthly in an SIP at an expected return of 15% p.a. over 20 years. If you stop your SIP for just two months, you could miss out on a potential ₹8 Lakh in compounded returns. That's a staggering 16x on your original investment for those two months alone! The takeaway? Market dips are opportunities, not deterrents. Consistent investing through all market phases helps harness the power of compounding. Don't let short-term noise derail your long-term goals—ride out the volatility and stay the course! #Investing #SIP #LongTermWealth #MarketVolatility #FinancialDiscipline

𝗦𝘁𝗼𝗽 𝗦𝗜𝗣 𝗦𝘄𝗶𝘁𝗰𝗵𝗶𝗻𝗴, 𝗠𝗮𝘅𝗶𝗺𝗶𝘇𝗲 𝗥𝗲𝘁𝘂𝗿𝗻𝘀! A recent study by WhiteOak Capital highlights the pitfalls of chasing past performance when investing through SIPs. Investors who frequently switch funds based on recent returns often underperform compared to those who stay invested in a chosen category for the long term. 𝗗𝗶𝘀𝗰𝗶𝗽𝗹𝗶𝗻𝗲 𝗯𝗲𝗮𝘁𝘀 𝗰𝗵𝗮𝘀𝗶𝗻𝗴: Sticking to a well-chosen SIP for 5-20 years leverages compounding and outperforms frequent switching. 𝗙𝗼𝗰𝘂𝘀 𝗼𝗻 𝗳𝘂𝗻𝗱𝗮𝗺𝗲𝗻𝘁𝗮𝗹𝘀: Monitor your SIPs, but switch only for quality or management style concerns, not past returns. 𝗟𝗼𝗻𝗴-𝘁𝗲𝗿𝗺 𝘃𝗶𝗲𝘄 𝘄𝗶𝗻𝘀: Don't chase market trends. Invest in a diversified category aligned with your goals. Source : The Economic Times #SIP #MutualFunds #Investment #LongTermStrategy #Discipline

Follow the 10-7-1 rule to boost your SIP returns: Let's break it down: ✅ 10 - Expect your investments to go down by 10% every year ↳ The stock markets have fallen by at least 10% in 20 out of the past 23 years ↳ You should be able to hold onto your investments during this volatility ✅ 7 - Keep investing your SIPs for over 7 years ↳ Per past market data, investments held for at least 7 yrs always gave positive returns ↳ Helps to compound your returns and go through market cycles ✅ 1 - Means increase your SIP amount each and every year ↳ Say, you invest ₹20k monthly for 10 yrs at 12% = ₹46 lacs ↳ But if you step up by 10% annually, then amount would be = ₹67 lacs - Invest as per your goals - Expect market volatility - Invest for the longer term - Step up your investments P.S. - How do you manage your SIP investments? Are you stepping up in this market fall? ====== Follow me (Ritesh Sabharwal CFP®) as I Simplify Personal Finance and Investing

In the world of investing, understanding market psychology is crucial for long-term success. The 7-5-3-1 Rule of SIP provides a comprehensive framework for investors looking to optimize their portfolio. Investing for at least 7 years allows you to ride out market fluctuations and compound your wealth. By diversifying across 5 types of funds—large cap, mid cap, small cap, growth/value, and global—you can manage risk while maximizing potential returns. Being prepared for the 3 psychological phases (disappointment, irritation, and panic) is essential for maintaining a long-term perspective. Finally, stepping up your SIP by 10% each year ensures your investment keeps pace with inflation and market growth. Implement this rule today for a robust financial future! #WealthManagement #InvestmentStrategy #MutualFunds #FinancialAdvisor #CompoundingBulls

"What is Value SIP?" – A Smarter Way to Invest! 💡 Value SIP is a dynamic investment strategy that adjusts your SIP amount based on market valuations, helping you buy more when prices are low and less when prices are high. Here's how it works: 📊 Market Valuation Metrics: Indicators like Price-to-Earnings (P/E) ratio and Cyclically Adjusted P/E (CAPE) help assess if the market is: ✔️ Undervalued: Increase SIP amount and buy more at lower prices. ✔️ Overvalued: Decrease SIP amount to reduce exposure. ✔️ Fairly Valued: Keep SIP amount unchanged. ✔️ Automatic Adjustments: Let the system work for you, ensuring disciplined investing. 🌟 Why Choose Value SIP? Enhances returns over time. Maintains discipline during market fluctuations. Tailored to your financial goals. Start your journey toward wealth creation today! 🚀 📞 Contact Us: +91 76960 92836 📧 Email: bansalraj2k@gmail.com 🌐 Visit: www.wealthinfocus.com 💼 RB Wealth Wisdom – Simplifying Investments for Your Future. #ValueSIP #WealthCreation #InvestSmart #RBWealthWisdom #MutualFundInvestments #FinancialFreedom #DisciplinedInvesting #SmartInvesting #SIPInvestments #PersonalFinance #WealthFocus #MarketValuations #FinancialPlanning #InvestInYourFuture #StayInvested

💡 Wealth Creation with SIP: Powered by Nifty's Average Returns 💡 What if you could turn small, consistent investments into a fortune over time? Here’s how a ₹2,000 monthly SIP, assuming an average annual return of ~12% (based on Nifty's historical performance), could grow in 20 years: 📊 Investment Details: Monthly Investment: ₹2,000 Total Investment (20 Years): ₹4,80,000 Portfolio Value: ₹47,88,336 ✨ The Magic of Compounding: Even with modest contributions, compounding allows your investments to grow exponentially, provided you stay disciplined and consistent. The Nifty index's steady average returns make SIPs a reliable tool for long-term wealth creation. 🌱 Start small, invest regularly, and let compounding and market growth do the heavy lifting. Your financial independence starts today! #SIP #NiftyReturns #WealthCreation #InvestSmart #PersonalFinance

Feeling anxious about market ups and downs? Are you thinking about stopping your SIP due to short-term volatility? Don’t! In this video, we discuss why continuing your SIP (Systematic Investment Plan) during market turbulence is one of the smartest financial decisions you can make. Discover how staying committed to your SIP, even in the face of negative returns or market volatility, can help you achieve multifold returns in the long run. Remember, wealth creation is a marathon, not a sprint! . . #investing #sip #financialfreedom #mutualfunds #mutualfundssip #compoundinterest #personalfinance #wealthbuilding #longterminvestment #smartinvesting #moneymatters #india #surefinserv #anxiety #stockmarket #marketcrash #fear

📊 SIP vs Direct Equity: A Case for Selective Investing. Systematic Investment Plans (SIPs) are a popular and reliable way to invest in the market over time. But does SIP always yield the best returns? Let's take a look at the NIFTY 50 returns over different periods: 1990 to 2003: 🚀 781% in 13 years. 2004 to 2020: 💹 694% in 15 years. 2020 to 2024: ⚡️ 247% in 4 years. Imagine if you had invested ₹1,000 every month during these periods: From 1990 to 2003: Despite the 781% return, your SIP returns would be surprisingly modest. From 2004 to 2020: You'd see better results, but only due to market performance during this period. From 2020 to 2024: Even with a shorter timeframe, SIP returns might not match expectations given the 247% surge. 🔍 Key Insight: The returns from 1990 to 2003 were particularly low in the initial years. For almost a decade, one would have struggled to make significant gains via SIP. This shows that SIP alone doesn’t always guarantee superior returns, especially when the markets don’t perform well. 💡 Takeaway: SIP is a great tool, but being selective about direct equities could potentially yield better returns in specific market phases. Timing and selection can sometimes outperform consistent, passive investment strategies. #Investing #SIP #Nifty50 #DirectEquity #MarketReturns #WealthBuilding #FinancialPlanning

Question Should I stop my SIP due to lesser returns? 🤔📊 Answer- When considering whether to stop your SIP due to lesser returns, remember that consistency and patience are crucial. Before making any decisions, ask yourself: - Have you reached the end of your initially intended investment period, or is there still time left to achieve your goals? 🕰️📆 - Are you tempted to stop your SIP due to short-term market volatility, or can you weather the storm? ⛈️🌪️ SIP returns are a balance of two forces: - Volatility: Markets fluctuate, and prices may drop. But this also means you're accumulating more units at a lower cost, setting you up for potential long-term gains. 📉💰 - Unidirectional moves: Markets can trend upward, bringing positive returns. Either way, your SIP investment is working for you. 📈🚀 Redemption time is when you should hope for higher markets, maximizing your NAV and unit value. 🤑💸 In the long run, SIPs navigate both volatility and growth, resulting in: - Better returns 📊👍 - Lower volatility 💡🔌 - Discipline and consistency 💪🔩 Don't let short-term market fluctuations dictate your investment decisions. Stay the course, and your SIP investment will reward your patience and persistence. 🙏💫 #sip #volatility #mutualfunds #mutualfundsahihai #markets

𝗧𝘂𝗿𝗻𝗶𝗻𝗴 𝗬𝗼𝘂𝗿 𝗦𝗜𝗣 𝗜𝗻𝘁𝗼 𝗮 𝟭𝟮% 𝗣𝗔 𝗙𝗗 𝗘𝘃𝗲𝗻 𝗗𝘂𝗿𝗶𝗻𝗴 𝗮 𝗡𝗜𝗙𝗧𝗬-𝟱𝟬 𝗖𝗿𝗮𝘀𝗵 | 𝗣𝗮𝗿𝘁 𝟮 - 𝗠𝗮𝗿𝗸𝗲𝘁 𝗧𝗶𝗺𝗶𝗻𝗴 𝗨𝘀𝗶𝗻𝗴 𝗣𝗘 𝗥𝗮𝘁𝗶𝗼 https://lnkd.in/dC7u3fDt In Part 1 of this series, I examined some of the fatal flaws of a conventional SIP-based investment approach, which can have grave implications, especially if you have a financial goal that is due in let’s say, 5 years from now, and you are trying to achieve this financial goal through an SIP investment. And that is because, going by the historical performance of a 5-year SIP in the NIFTY, you would almost certainly fall short of the amount you were targeting to achieve at the end of your SIP, if your SIP comes to an end at a time when equity markets are going through a downturn. But fret NOT, because there is a way to address this! In Part 2 of this series, I explore a unique strategy to time the markets such that you can accrue returns as high as 39% per annum when equity markets are rallying strongly, and yet, achieve returns comparable to bank fixed deposits even in the middle of a market crash. So please do watch this video to understand this unique strategy that can help us achieve the best of both worlds – high returns when markets deliver, and phenomenally high downside protection even when market do NOT! #SystematicInvestmentPlan #stockmarketcrash #nifty50intraday #niftyfifty #nse #bse #stockmarketstrategies #tradingstrategy #equitymarket #StockMarketInsights #stockmarketinvesting #investmentstrategies #investing #financialcrisis #Stocks #PERATIO #tradingtips #stockmarketinvesting #stockmarketeducation #FixedDeposit #fixedincome #sip #investmentplan #investmenttips #METACAPS #indraanilguha