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SYSTEMATIC INVESTMENT PLAN (SIP)​

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Just as drops of water make an ocean, small but regular investments can go a long way in building wealth over a period of time

SIP is a method of investing a fixed sum, regularly, in a mutual fund scheme. SIP allows an investor to buy units regularly on a specific date of the month. This will help in building wealth in the long term.

Reliance SIP may help you achieve just that. It is an investment facility where you deposit as little as Rs. 100/- regularly every month in the Mutual Fund scheme at the then prevailing NAV (Net Asset Value).

NAV of the schemes may go up or down depending upon market condition.

Advantages of SIP

No need to time the markets
Imagine, if you could always pick the right time to buy and sell. However, timing the market is a time-consuming and risky task. Through disciplined and regular investments, you can stop worrying about when and how much to invest. In short, it eliminates the need to actively track the markets.

Rupee cost averaging
Since your investments are spread regularly over a period of time, buying fewer units during rising markets and buying more units during falling markets reduces the average cost per unit of your investments - this concept is known as Rupee Cost Averaging.

For more details

Illustration
Note: Say you are investing Rs.1000 every month from November 11, 2013 to October 10, 2014. Now check the average purchase cost per unit of your investments. It may be lower than the average NAV of your investment over 12 months.

DateNAV (in `)UnitsAmount
11/11/2013455.86062.191,000
10/12/2013476.83132.11,000
10/1/2014483.72252.071,000
10/2/2014468.80112.131,000
10/3/2014492.57522.031,000
10/4/2014525.7021.91,000
12/5/2014546.01271.831,000
10/6/2014656.60251.521,000
10/7/2014646.17171.551,000
11/8/2014641.88361.561,000
10/9/2014703.34151.421,000
10/10/2014702.52291.421,000
Total 6,800.03 21.73 12,000
Average Cost     552.26
Average Price     566.67

Average Cost = Total Cash Outflow/Total Number of units = Rs.12000/21.73 = Rs. 552.26

Average Price = Sum of all NAVs at which invested / Number of months of investment = Rs.6,800.03/12 = Rs. 566.67

Average Cost < Average Price

Above calculations are only for illustration purpose and shoul​d not be co-related with performance of any scheme.

Past Performance may or may not be sustained in future.

Reliance SIP (Perpetual) - Freedom from renewal hassle
Now you can go for Reliance SIP (Perpetual) and free yourself from the hassles of renewal. This is an ideal feature which keeps your SIP ticking until you give us an instruction to stop it. Now sit back and relax while your SIP continues without any interruption. All you have to do is tick the PERPETUAL option in the SIP enrolment form.

Disclaimer:
​Minimum Investment of Rs.100 would be applicable, subject to applicable terms & conditions of SID/KIM.

SIP is a Special Product available only in selected Schemes of Reliance Mutual Fund. Entry load will be Nil and Exit load as applicable in the respective Scheme at the time of registration will be applicable. The unit holder is free to discontinue from the SIP facility at any point of time by giving necessary instructions.




SIP Calculator

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

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