ARN 285043

Flowers MFD

AMFI Registered Mutual Fund Distributors

89, Dr MGR Nagar, Thirumurugan Poondi, Avinashi

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What is SIP ?

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What is SIP?
Understand Systematic Investment Plans

A Systematic Investment Plan (SIP) is a simple and disciplined way to invest in mutual funds, where you invest a fixed amount at regular intervals (monthly or quarterly) instead of investing a large amount at once.

SIP helps you build wealth gradually by investing consistently, making it one of the most preferred investment methods for beginners and long-term investors in India.

At Flowers Mutual Fund Distributors, we help investors start SIPs based on their income, goals, and risk profile.

SIPs are one of the simplest and safest ways to begin investing in mutual funds, regulated by SEBI and AMFI. 

How SIP Works

Choose a Mutual Fund Scheme

Select a fund based on your financial goals, risk tolerance, and investment horizon

Decide the SIP Amount & Frequency

Based on your income and expenses, determine how much you can consistently invest. Decide how often you will invest (monthly, quarterly, etc.).

Automated Deductions & Units Allocation

Your chosen amount is deducted from your bank account and invested in the mutual fund. Investment amount is converted into mutual fund units, allocated to your account based on the current NAV

Track Performance

Over time, you can track the growth of your investments and adjust your SIP as needed

  • Disciplined Investment: SIP fosters consistent investing habits by automating regular contributions, removing the temptation to time the market or skip investments.
  • Rupee Cost Averaging: By investing across market ups and downs, SIP helps average out the cost of mutual fund units, reducing the impact of market volatility over time.

Example

: SIP Investment Explained

Suppose you invest ₹5,000 per month for 10 years:

  • Total Investment: ₹6,00,000

  • Expected annual return (approx.): 12%

  • Potential value after 10 years: ₹11–12 lakhs (approx.)

SIP Calculator

👉 This growth happens due to compounding and disciplined investing over time.
(Actual returns may vary based on market performance.)

SIP vs Lump Sum Investment

Both SIP (Systematic Investment Plan) and Lump Sum investment are popular ways to invest in mutual funds. The right option depends on your income pattern, market conditions, and financial goals.

Feature SIP Investment Lump Sum Investment
Investment Style Small amount invested regularly (monthly/quarterly) One-time large investment
Market Timing Risk Lower risk due to rupee cost averaging Higher risk if invested at the wrong time
Ideal For Salaried individuals and long-term investors Investors with surplus funds
Minimum Amount Starts from ₹500 per month Usually higher initial amount required
Investment Discipline Encourages regular saving habit Requires self-discipline
Volatility Impact Market ups & downs are averaged over time Returns highly depend on entry point
Best Suited For Beginners & goal-based planning Experienced investors

👉 Tip: SIP is generally recommended for long-term goals, while lump sum works better when markets are reasonably valued.

How to Start a SIP?

Important Things to Know Before Investing in SIP

  • SIP does not guarantee returns

  • Market fluctuations are normal

  • Best results come from long-term investing

  • Avoid stopping SIP during market corrections

  • Choose funds based on goals, not past returns alone

Frequently Asked Questions (FAQ)

What is the minimum SIP amount?

Most mutual funds allow SIP starting from ₹500 per month.

Is SIP safe?

SIP invests in mutual funds, which are market-linked. Risk depends on the type of fund selected.

Can I stop or pause SIP anytime?

Yes, SIPs are flexible. You can modify, pause, or stop anytime.

Is SIP better than FD?

For long-term goals, SIPs generally offer higher growth potential than fixed deposits, though they carry market risk.

How long should I continue SIP?

Ideally 5–10 years or more to benefit from compounding.

Things to know before you start...

  • Understand the risk:

    Since investing in SIP mutual funds can be affected by market fluctuations, assess your risk tolerance.

  • Long-term investment:

    You can only fully benefit from compound interest by investing in SIP for 5-10 years or more.

  • Assistance from a financial advisor:

    If you are uncertain about investment decisions, consult a financial advisor.

  • Try various SIPs:

    Depending on your goals, you can start several SIPs in different mutual funds.

Start Your SIP Journey with Confidence

Contact Flowers MFD today to get expert guidance and begin your investment journey.

Get In Touch

👉 Calculate your SIP returns,
👉 Get personalized fund recommendations,
👉 Start investing with expert guidance.

📞 Contact Flowers Mutual Fund Distributors
AMFI Registered Mutual Fund Distributor
📍 Avinashi | Trusted Local Mutual Fund Distributor

✅ AMFI பதிவு பெற்ற Mutual Fund Distributor
ARN: 285043
Mutual Fund முதலீடுகள் சந்தை ஆபத்துகளுக்கு உட்பட்டவை. முதலீடு செய்வதற்கு முன் திட்ட ஆவணங்களை கவனமாக வாசிக்கவும். Past performance is not indicative of future returns.

We, Flowers MFD, act as an AMFI-registered Mutual Fund Distributor and do not provide investment advice or portfolio management services.
நாங்கள் AMFI பதிவு பெற்ற Mutual Fund Distributor மட்டுமே; முதலீட்டு ஆலோசனை அல்லது போர்ட்ஃபோலியோ மேலாண்மை சேவைகள் வழங்குவதில்லை.
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we help individuals and families build wealth through smart, goal-based investing. Whether you’re planning a secure retirement, your child’s education, or starting a SIP, we’re here to guide you

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Flowers MFD , 89, Dr MGR Nagar, Thirumurugan Poondi, Avinashi.
boopathi.giri@gmail.com

boopathi@flowersmfd.in

96777 38141
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