How to choose the best mutual fund SIP

If you are planning to invest in Mutual Fund. SIP is the best way for this. You can choose these tips and choose the best mutual fund SIP plan.
If you are earning something in your life. Through SIP, you can invest a fixed amount every month in a mutual fund. It provides you the big returns in the long-run period. If you want to do SIP in a mutual fund, then choose the fund carefully. If you keep these things in mind while selecting a fund for SIP, then you will be able to choose a better fund plan.

You should remember that nobody gets success in a minute. It takes hard work and investing time. If you want to get rich and want to earn money then you have to plan for it. If any person is asking you to make you rich in shortcuts, then you are most likely to be deceived. You should have a plan to make big money in the long-run period. Mutual fund SIP is one of the schemes by which you can earn money in the long run. You can start by investing minimum of 500 rupees in it. You should keep these things in mind while choosing SIP.

Which SIP is the best for you?
The main question is usually asked by first-time investors. They are not aware that SIPs only act as a medium to invest in mutual funds. There is nothing like a good and bad SIP, but the main objective is to choose the best mutual fund schemes for investment and to accumulate enough assets for long-term financial goals. Therefore, the decision to invest in the right mutual fund schemes is an important step to get the right benefit from SIP.

How to choose the best mutual fund?
Many people advise investors to look at ratings of mutual funds to test their credibility. But in reality, ratings are only one aspect of the coin (other criteria such as returns, risk average AUM), etc. and another aspect (ie qualitative criteria) is ignored by people.
In addition, the ratings work on a ‘one fits all’ approach that doesn’t apply in real life, as an investment and financial planning are private activities and vary from person to person. Ratings can be the initial way to identify the merits of investment-worthy funds, but relying on them only makes it difficult to guarantee benefits.

Pay attention to past performance
Past performance is the most primary and important factor when analyzing mutual funds, but it is not the only important factor in the analysis of funds. This can also change and because the performance may or may not be able to sustain itself due to the rapidly changing market conditions, it is not proposed to be used as a basis for comparison.
Nevertheless, it is worth noting that the best performing funds in the past have a better chance of doing well in the future than the average performing funds in the past.

Compare benchmark
Just analyzing the performance of the fund will not reveal the true image. Therefore, comparing the selected funds with their benchmark index and other funds can lead to meaningful results. The time period is also an important factor.
Mutual fund schemes involve long-term commitment, so it becomes very important for investors to assess the long-term performance of funds.

Do not base returns only
Many people choose a fund simply by thinking that it has given very high returns, and in this round, dumps their investment plan. In the opinion of experts, this method of investment is inappropriate and incomplete.
Apart from returns, you have to keep risk parameters in mind and also see high returns.

Who is running the fund
The performance of a mutual fund scheme is heavily linked to the way it operates, and therefore it is necessary to ensure that the fund management team is experienced and capable enough to deal with the ups and downs in the market.
The poor performance of funds should not be blamed on the performance potential of the fund operator, as they may have left the company at some point and left you with a team that is not performing as before. Therefore, your focus should be solely on the fund centers whose systems and processes are strong and not dependent on the performance of the operators alone.

How much does the fund cost to invest
If another fund is available at a comparatively lower cost than a fund and there is a very subtle difference in the performance of both, it is not prudent to invest in expensive funds. Simply put, there is no reason for an AMC to incur higher costs in addition to a desire for greater profits. Always invest in low-cost ratio funds so that you can invest there for a long time.

Choose a direct plan scheme
To get the biggest benefit from investment in mutual funds, choose ‘Direct plans’ rather than ‘Regular plans’. The above points clearly indicate that when investing in mutual funds, be sure to take a ‘direct plan’ instead of a ‘regular plan’. This is mainly due to their low cost and cost ratio, in that direct plans provide additional returns ranging from 0.5% to 1.0% per year.

With direct plans, the services of the mutual fund vendor/agen / relationship manager will be removed and the transaction is done either in online mode or privately by going to the office of the registrar or asset management company. It may not seem that big in the beginning, but going beyond these small savings, there are huge benefits.

45 thoughts on “How to choose the best mutual fund SIP

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