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SIP and Lumpsum: How to Invest in Mutual Funds?

Mutual funds are one of the most popular and diversified investment vehicles available to investors. Lumpsum investment and Systematic Investment Plan (SIP) are two of the most popular ways investors can invest in mutual funds.

One of the critical questions that mutual fund investors ask is whether they should go in with a lumpsum amount or take the SIP route.

So, in this article, we will check both the investment routes and understand when it is the best time to invest in mutual funds through the SIP or lumpsum route.

Differences between lumpsum investment and SIPÂ

People who invest in mutual funds through SIPs and lump sums can benefit from the possibility of making money. However, the significant difference between SIP and lumpsum methods is the investment frequency. SIPs let you put money into a mutual fund scheme regularly. Mutual fund houses offer daily, weekly, monthly, quarterly, half-yearly plans through which you can invest your money regularly.

Lumpsum investments are one-time investments where you put a sizeable amount in the mutual fund account in one go.

The minimum investment amount is another difference between the SIP and lumpsum investment. You can start investing in a mutual fund through SIP at just Rs.500 per month. However, the initial investment amount for a lumpsum investment is Rs.5000, and you can make additional investments starting at Rs.1000.

As an investor who has a small amount of money to invest, SIPs might be better for you. Lumpsum investments may be better for people who have a large corpus and are okay with taking risks.

Best time to invest in a scheme through SIP

As we have seen that SIP does away with the need to invest a large sum of money all at once, SIP is strongly recommended for individuals with a steady salary looking to invest in equity funds for the long term.

SIP investing also works effectively when the markets are down. This is because, while the price is low, an investor can buy many mutual fund units. Once the market takes off, the growth will be strong.

The most important question is: when is the best time to invest in a SIP?

Any time is appropriate to invest in a mutual fund scheme through SIP.

Whether the market is at an all-time high or low, you don’t have to bother.

This is because the SIP route is taken as an investment route to invest for a long time with a minimum period of five to six years.

Furthermore, the longer you stay invested, the more you can benefit from the power of compounding.

Best time to invest in MF scheme through lumpsum

In a rising market, a lumpsum investment strategy works better than SIP. But what if you get it wrong and the market goes into freefall?

There is a way to go about it. If you have a sizable chunk of money, you can make a lumpsum investment in a debt fund and then opt for a Systematic Transfer Plan (STP). An STP is a method that allows you to transfer a fixed amount every month from the debt fund to an equity fund of your choice.

If you have a large sum of money, a lumpsum investment may be an excellent way to go so that you don’t wind up wasting it. As debt funds are less affected by market fluctuations than equity funds, you may invest in debt funds through the lumpsum method.

Moreover, if you need to park your money for the short term, say three years, you can invest the entire amount in a debt fund.

Conclusion:

Whether you need to invest in mutual funds through lumpsum or SIP will depend on your financial objectives and risk tolerance.

If you are trying to become disciplined with your investments and invest long-term, SIP can be a better option.

However, if you have a sizeable amount to invest in the short term, you may invest the entire amount in a debt fund. However, if you want to invest the amount in an equity fund, you can opt for STP that will shift a fixed amount from the debt fund to the equity fund as per your requirement.

Equity funds get Rs 8,600 cr inflows in Sep; 7th straight month of growth

In September, equity oriented mutual funds received a net inflow of Rs 8,677.42 crore, which was the seventh consecutive month of net inflows. Since March this year, equity funds have received a net inflow of Rs 68,551.24 crore, thus indicating towards positive sentiment among investors. Mutual fund monthly SIP contributions breached Rs 10,000 crore milestone for the first time ever and industry AUMs touched all time high at Rs 36.73 lakh crores is historic.

Himanshu Srivastava, Associate Director â€“ Manager Research, Morningstar India, said that positive sentiments and rally in the equity markets continue to attract investors into equity-oriented mutual funds. “Relatively lower returns from traditional investments have also made equity mutual funds attractive investment destination for investors. Additionally, with the SIP book growing consistently, equity oriented funds have been receiving robust flows.”

Equity oriented NFOs continue to attract investors thus garnering robust flows. During the month five equity oriented NFOs were launched which combined collected around Rs 6,579 crore, thus significantly contributing towards the net inflows.

Passively managed funds continue to attract investors’ interest on the back of sharp rally in the equity indices. Index funds and other ETF category recorded a net inflow of Rs 10,764 crore in September. What also added to the net inflow were four NFOs, two each in Index and other ETF category, which collected Rs 1,211 crore.

With all the segments of the market â€“ Large, mid and small-caps doing well, expectedly, multi-cap category was the biggest beneficiary during the month, followed by focussed and flexi-cap categories.

Give the quarter end, Debt oriented funds, prominently with less than one-year maturity, witnessed net outflows, largely on account of advance tax payment in September. Overall, the segment witnessed a net outflow of Rs 63,910.23 crore, led by significant net outflows from liquid, ultrashort, low duration and money market categories.

“The expected return from equity remains higher than debt funds with a pause in reduction of interest rates by the RBI due to increased CPI inflation, amongst other reasons. Investors obviously see a better risk-return ratio by investing in equity funds and the churn is inevitable,” notes Waqar Naqvi, CEO at Taurus Mutual Fund.

Categories such as Medium Duration and Medium to Long Duration received net inflows thus indicating investors preference for fixed income funds at short to medium end of the curve. Credit funds continued to witness inflows on the back of improvement in scenario on the fixed income side. Lastly, Floater funds continue to receive net positive flows given the limited probability of interest moving down significantly. With a net inflow of Rs 5,814.04 crore, it was the biggest beneficiary in September among the debt-oriented categories.

It is also very encouraging to see much better inflows in dynamic/balance advantage funds as in current times of rising markets and premium valuations, this category of funds will allow to control risk of investors much more efficiently,” said Akhil Chaturvedi, Head of Sales & Distribution, Motilal Oswal AMC.

The good news on the SIP front continues with monthly input value finally crossing Rs 10,000 crore in September. “This is heartening as this is a significant jump from Rs.8,000 the SIP book had shrunk to a year back. This clearly highlights improving appetite from retail as well as HNIs,” points out Aashwin Dugal, Co Chief Business Officer, Nippon India Mutual Fund.

Commenting on the September 2021 monthly data, N S Venkatesh, Chief Executive, AMFI said: “Retail investors are preferring Mutual Funds, over low-yielding traditional savings avenue like Bank FDs, and also Gold and Real Estate. On the back of rapidly improving economic scenario aided by conducive RBI policy and easing of Covid related restrictions, equities asset class would continue to deliver superior risk adjusted returns.”

81 lakh mutual fund accounts added in FY21; MF AUM stands at Rs 31.4 lakh crore

In the financial year 2021, over 81 lakh investors opened their mutual fund accounts. It’s nearly 23,000 accounts per day or about 1,000 accounts per hour. With the massive addition of MF accounts, the total number of mutual fund investors in the country now stands at 9.78 crore.

The over 81 lakh accounts added in FY21 is much higher than the mutual fund industry adding 72.89 lakh investor accounts in the financial year 2020, according to the data by the Association of Mutual Funds in India. Experts are now hoping that the healthy growth in the mutual fund industry would continue in the ongoing financial year, as markets and economy stabilise.

Corporate earnings gained momentum in the post Covid unlocking era with the optimism fuelled by higher consumption spends in the festive season. Q3FY21 earnings were ahead of estimates as corporates benefited from lower raw materials cost, higher volume growth and leaner cost structure. Going forward, experts expect Nifty earnings to grow at 24% CAGR in FY21E- 23E. This earnings momentum is likely to provide support at lower levels.

“The recent correction of 7-8% in the headline indices as well as broader markets is a normal healthy correction and should not be construed as negative. Investors should use the current fall as a buying opportunity. Multicap funds are better placed to capitalise on the broader recovery, going ahead,” says ICICIDirect.

Investors are increasingly acknowledging the importance of making investments in mutual funds for meeting financial goals both long term and short term.

The mutual fund industry AUM at the end of March 2021 stood at Rs 31.4 lakh crore. The AUM of open ended equity funds is now at Rs 9.79 lakh crore in March 2021, with flows into equity funds witnessing a turnaround with inflows at Rs 9,115 crore in March 2021. Equity funds had seen outflow for the eight consecutive month till February.

The rally in the equity markets has been well diversified with sector rotation in play in last few months. The sectors or segments like infrastructure, PSUs which lagged behind in the early part of the rally, have started to gain traction indicating the healthy trend of sector rotation.

Pharma funds and global funds have underperformed in the last few months after their significant outperformance last year. Midcap and small cap funds remain outperformers as broader markets continue to recover with better growth prospects as economy recovers in the post Covid era.

Equity investors who stuck to their asset allocation plan and those who continued their regular investment through SIP otherwise stand out as winners now as the market recovered from the volatile year of 2020.

The equity market fall in March prompted inflows into equity funds indicating maturity among retail investors. In debt funds, almost all category of funds except liquid/low duration/money market funds witnessed outflow due to financial year-end requirements as rising yields made investors cautious.

The balanced advantage or dynamic asset allocation funds AUM is now above Rs 1 lakh crore. The balanced advantage category is gaining popularity as asset allocation funds at current higher level are attracting higher investor interest.

Axis AAA Bond Plus ETF NFO opens today; should you invest?

Axis Mutual Fund, one of the fastest growing fund houses in India, has announced the launch of their new fund offer â€“ â€˜Axis AAA Bond Plus SDL ETF 2026 Maturityâ€™. It is a target maturity ETF â€“ a portfolio, specifically designed to terminate at a pre-defined date â€“ that will invest in a portfolio of high quality debt instruments. The new fund offer (NFO) opens for subscription from April 23, 2021 to May 7, 2021. Given that this is a new product, here is a primer on the product. Read on.

What is Axis AAA Bond Plus SDL ETF – 2026 Maturity

This is an open-ended Target Maturity Exchange Traded Fund investing predominantly in constituents of Nifty AAA Bond Plus SDL Apr 2026 50:50 index.

An ETF is a mutual fund designed to track the performance of an index. This is achieved by closely replicating the portfolio of the underlying index. ETFs trade in bite sized units on an exchange at market determined prices. While traditionally in India it is the equity and gold ETFs that have been popular, debt ETFs are fast making a space for themselves. Debt ETFs offer investors a great combination of stability and liquidity.

The benchmark index has a maturity date of April 30, 2026. Further the composition of the benchmark is an equal allocation towards AAA securities and SDLs, thus offering investors with a very high credit quality and diversified portfolio.

How does a target maturity ETF work

A target maturity ETF is a portfolio designed to terminate at a predefined date.

The fund manager achieves this by buying securities with similar maturities as close to the defined maturity date and holds them to maturity.

As time passes, the ETF may add securities that meet the methodology criteria. As the ETF progresses the duration of the securities diminishes until the fund matures.

Thus, the strategy aims to negate any duration risk for investors who remain invested through the life of the ETF.

Why this product now

5 year yields have seen the maximum retracement since December 2020.

The run up in yields has resulted in the spread between 3 year AAA & 5 Year AAA papers trade at its highest level in 2 years.

Even for investors with a longer investment horizon the 5 year space is a compelling alternative since 5 year levels are trading at levels similar to comparable 10 year instruments.

High quality SDLâ€™s also offer significant opportunities given that they trade at levels higher than AAA â€“ PSUâ€™s currently.

According to the fund-house, current yield levels provide adequate buffer for even shorter term investors.

What about the debt index

Nifty AAA Bond Plus SDL Apr 2026 50:50 Index is a portfolio of AAA rated bonds issued by government owned entities, HFCs, Corporates and State Development Loans (SDLs) maturing between May 01, 2025 to April 30, 2026. The index will be managed by NSE Indices Limited.

AAA rated bonds include those belonging to HDFC Ltd, REC Ltd, Indian Oil Corporation, Power Finance Corporation Ltd, Export Import Bank Of India and NTPC Ltd.

SDLS include those belonging to Gujarat Government, Karnataka Government, Maharashtra Government, Tamil Nadu Government, West Bengal Government and Uttar Pradesh Government.

Who is this product for

Axis AAA Bond Plus SDL ETF – 2026 Maturity will facilitate passive investing for debt investors by offering them a fund that has defined tenure close to 5 years.

The fund can be used by investors looking at a 5 year holding period but also by investors that want to take advantage of this strategy for shorter holding periods.

Thus, the Axis AAA Bond Plus SDL ETF – 2026 Maturity is a low-cost, hassle-free solution for investors looking to build their fixed income portfolio.

Top features of the fund

1. Opportunity â€“ The 5 Year AAA space is offering an interesting opportunity given the selloff since December 2020.

2. Core Allocation – Ideal solution for investors looking to invest with a 5-year investment horizon

3. Product Mechanism – Low cost hassle free solution for investors looking to build their core fixed income portfolio

4. Simple and Easy – Exchange traded, high quality portfolio with the benefit of 5 yearsâ€™ indexation

Fund-house speak

On the launch of the NFO, Chandresh Kumar Nigam, MD & CEO, Axis AMC said, â€œWe want to develop, introduce and provide the products that are relevant in the current context. Accordingly, we recognize the need to offer investors a choice of strategies including robust passive products across all asset classes. The launch of Axis AAA Bond Plus SDL ETF – 2026 Maturityâ€™ continues to take forward our endeavour to build up our passive product suite over time by offering investors an attractive debt strategy within the passive space.â€

What will happen when you miss or stop a SIP?

Investors might face situations where they are unable to make their Systematic Investment Plan (SIP) instalments in mutual funds. This could be because of financial emergency or higher expenses. So, what happens when an investor doesn’t make the SIP payment?

When you miss a SIP…

While the fund houses don’t penalize investors for non-payment of a SIP instalment, the SIPs might be automatically cancelled if an investor doesn’t make SIP payments for three consecutive months. Why? This is because the ECS mandates say that the fund house needs to send auto debit requests for at least three months before cancelling any SIP. So, the fund house will wait for three months to see if you are continuing your SIP.

Note that your bank (which you are using for the auto debits) might charge you for missing the SIP instalment. This is because you give standing instructions to the fund house to debit a fixed amount from your bank account every month (or quarter). Missing a SIP instalment is like a cheque bounce for the bank. So, charges are applicable. However, the charges might vary from bank to bank. For instance, while ICICI Bank charges Rs. 350 for missing a SIP instalment, HDFC Bank charges Rs. 450 plus Goods and Services Tax (GST).

When you stop a SIP…

Think you may not be able to pay the SIP instalments for many more months? Then, you could stop the SIP. You can stop the SIP by sending a Stop Request to the fund house. This should be done at least 30 days in advance if you are submitting a paper request offline. You can submit the request online too. It takes about 10 days if you submit the request through the online channel. You can start a fresh SIP later when your financial situation improves. You can start another SIP in the same folio even after the earlier SIP was stopped. However, this will be regarded as a fresh SIP and hence you need to set up the SIP.

What happens when you miss or stop a SIP?

When you miss or stop a SIP, the investments you have done so far will continue to remain invested in the mutual fund. So, that money will keep earning returns for you. So, missing or stopping a SIP is not selling or redeeming the investment. To redeem your investments, you will need to give a redemption request to the fund house online or using the Redemption Request form.

While investments made so far have no impact, your wealth creation will be affected in the long term. Missing a single SIP may not have much of an impact on your investment. However, stopping your SIP can lower the returns from your investment and you might have less money for the financial goal for which you have been saving. You will need to review your financial goal and investments made towards that goal if you stop your SIP. Another point is that stopping your SIP for too long could mean higher cost of investments. This is because SIP helps you average out investment costs as you invest irrespective of whether the markets are high or low. You buy more units when the markets fall, and you buy less units when the markets climb higher. So, by stopping your SIP you are missing out on the opportunities to buy units at a lower price, especially when the markets are volatile.

When to stop your SIP?

You shouldn’t stop the SIP whenever the markets crash. This defeats the purpose of the SIP. However, you can consider stopping your SIP is the investment objective of the fund has changed or if the fund is recategorized. This is to give you time to review the fund and see if you should continue with the fund or exit and choose another fund. You can also consider stopping the SIP if the manager of the fund changes or the fund’s returns are falling when compared to that of competitors. Even though SIPs are long term investments, it is good to review them to see that they are in line with your risk capacity and financial goal. So, the stock markets shouldn’t be the reason for stopping your SIP.

Is there an alternative to stopping SIP?

Yes. You can choose to pause your SIP by submitting a request to the fund house. This will help you stop your SIP instalments temporarily. Your SIP will start automatically after the pause period. Note that all fund houses may not provide SIP pause facility.

How to make up for stopping your SIP?

By making additional purchases in the scheme using the same folio, you can make up for the lower investments in the mutual fund. This can be done when you have enough funds. This additional purchase equivalent can be the SIP amount or higher, depending on your financial situation. This will help you to achieve the required wealth for your financial goal without any difficulty.

Looking for mutual funds? You can explore the best ones here.

How to reinvest your income from investments

Fixed deposit is a very conservative financial product and is preferred by mostly senior citizens as it is considered safe. The elderly view deposits as a long-term investment and on an average commit their money for three to five years. Now that fixed deposit interest rates have fallen, many feel that there is a need to earn more money.

There is another category of investors that invests in mutual funds and opt for dividends. Most of the times, the salaried who opt for this and receive dividends from mutual funds don’t use them. The money is kept idle in their savings account.

Both these categories of investors can reinvest their income to earn more money.

There are several options available for such reinvestment. However, only some come with ease of liquidity as well as good returns. For instance, you can invest the interest from your deposit in the National Savings Certificate (NSC) or the Public Provident Fund (PPF). Both these investments provide tax benefits under section 80(C) of the Income Tax Act but your money will get locked in for many years. That’s why you need to carefully choose the investments based on your financial needs, risk profile and other related factors. Here are some options you can consider.

If you are getting a monthly pay-out

If you are not going to use the interest on your deposit and it is lying idle in your savings account, consider investing in the following options for better returns.

Bank Recurring Deposit

Choose from the Recurring Deposit schemes offered by your bank where you hold your saving account. For instance, you had invested Rs. 4,00,000 in a deposit for 10 years at the interest rate of 9%, you will be getting a monthly interest of Rs. 4,000. You can reinvest this income to earn more by putting it in a Recurring Deposit.

If you invest Rs. 750 from your interest income in a Recurring Deposit for five years, you will be receiving Rs. 54,735 on maturity. This is assuming that you invest at the interest rate of 7.5% for ever year. How is this an advantage? If you had let that amount be in your saving account, you will earn only Rs. 4,500 as interest in five years if the savings account interest rate is 4%. However, if you invest it in a Recurring Deposit, you will have earned an interest of Rs. 9,600.

Here are the advantages and disadvantages of investing in a Recurring Deposit.

One of the main advantages is that you get the same interest rate as your fixed deposit. The rate will be higher for senior citizens. You can invest a fixed amount every month, ensuring discipline. You can choose to invest for either short term or long-term goals as the tenure for Recurring Deposit is between six months and 10 years. You can get loan as an overdraft facility for your Recurring Deposit. The best part is that there is no Tax Deducted at Source (TDS).

The only disadvantage with Recurring Deposit is that you can get no tax benefits.

If you are getting an annual pay-out

Corporate deposits

If you are receiving an annual income from your investments, you can consider investing the income in a corporate deposit. You can choose from one year, two-year, three year and five-year corporate deposits. You can even ladder your investments by investing every year. For instance, you had invested in a 10-year deposit that gives you interest at 9% and you are receiving Rs. 9,300 as interest. If you invest this income in a one-year corporate deposit that gives you the same interest rate and keep laddering the investments for five years, you will have earned an interest of Rs. 5,000 at the end of five years. Note that as long as you invest in rated corporate deposits, the risks are lower. Laddering helps you review the deposit every year and you can choose to reinvest the maturity amount in better options at the end of every year.

The main advantage of corporate deposit is that you get a higher interest rate when compared to fixed deposits and Recurring Deposits. You could even getachoice of monthly, quarterly, half yearly and annual interest payouts for your corporate deposit. Another advantage is that there will be no TDS for your deposit if interest earned is less than Rs. 5,000.

The main disadvantages of corporate deposits include no tax benefits. The ease of getting your money back is much lesser when compared to bank fixed deposits. Another disadvantage is that there is higher credit risk involved. You may need to keep track of the deposit ratings and the company’s performance.

Mutual funds

Investing in mutual funds can help you overcome the disadvantages of corporate deposits. You can invest your income using SIP or a lumpsum in direct mutual funds. Equity mutual funds can give you returns that beat inflation.

Here’s a table that will help you understand how much you can save by reinvesting your income from investments.

Pre-tax returns

Amount reinvested	Investment used	Interest rate on the reinvestment	Maturity amount
Rs. 750 per month	Recurring Deposit	7.5%	Rs. 54,735
Rs. 9,300 per year	Corporate deposit	9%	Rs. 60,664
Rs. 9,300 per year	Mutual fund	12%	Rs. 66,172

Note that for the investments made, the tenure is assumed to be five years and compounding for Recurring Deposit and corporate deposit will be quarterly.

If you need help with managing your wealth portfolio, contact wealth team at Wealthzi.com

on [email protected]

How to make the most of your SIP

SIP or systematic investment plan is comparable to your bank recurring deposit. You invest an equal amount of money every month. Only for SIP, you will be investing in a mutual fund. There are no tenure restrictions for the SIP. You can do SIPs in equity funds that invest in stocks or debt funds that invest in debt instruments like government and corporate bonds. Sounds simple? It is easy to set up a SIP. Most people start a SIP and don’t bother about it. However, you can maximise the returns from your SIP by taking some steps. Here’s how to take advantage of your SIP.

Align it with your goals

Before you invest in a SIP, assign it to a financial goal. This will help you stay disciplined because you will want to reach the goal. Also, you will not be tempted to dip into the investment for any other purpose because you have earmarked the SIP for a particular purpose. For instance, for a short-term goal such as going on a vacation, SIPs in debt mutual funds are best suited and for long term goals such as your kid’s higher education, SIPs in equity funds are ideal.

If the SIP is goal oriented, you will know the exact timeline when you will need to encash the investment. It is easy to plan for your goals. Consider this: if you need Rs. 7 lakhs in 5 years, you would need to invest Rs. 8,571 if the equity markets are returning 12% every year and just about Rs. 7,903 if you get 15% every year. There are many SIP calculators for calculating the SIP amount needed for the goal.

Step up your SIP

Whenever you get a salary hike or when your lifestyle improves, ensure that you step up your SIP. This way you can ensure that your investment is in line with your standard of living. You can use a Top up SIP for this.

As your income goes up, you will be able to set aside a higher surplus for investing. A SIP Top up allows you to increase the monthly SIP investment amount periodically. You can specify this as a percentage or a fixed amount every year. The minimum amount is usually Rs. 500 and in multiples of Rs 500.

Let’s take an example. Let’s say you invest Rs. 5,000 every month and estimate that you will get 12% every year, you will have more than Rs. 45 lakhs in 20 years. How will this change if you use Top up SIP? If you top up your SIP investment by 10% every year, you can get that Rs. 45 lakhs in less than 16 years. So, you can achieve your goal 4 years earlier if you increase your SIP contribution by 10% every year.

By topping up your SIP, you can invest in the fund that you have already chosen, tackle rising inflation, reach your goals faster and align your investment to your standard of living.

Keep reviewing your funds

Just like exams are a way to measure your knowledge, review of your SIP will help you understand whether you invested in the best funds. You should keep a check on your SIPs at least once in 6 months to measure their performance. Continuous downfall in any of the funds will indicate the exit from that scheme and moves towards other funds or sector for a while.

Even if you did thorough research before choosing funds for SIP, you need to keep reviewing the funds. Check if they are performing in line with their peers. Ensure that they are doing better than the category average. If you find anything amiss, see if you should be switching funds. If you find it difficult to make an informed decision, a financial expert can help you. For instance, at Wealthzi, you get a financial dashboard to monitor and review your portfolio and insights into growing your portfolio value and net worth.

Book your profits

There are many times you might feel that your fund has gained a lot and you want to preserve those gains. You can use the Trigger facility in a SIP for this. This facility enables investors to set targets based on pre-specified date, price and index levels. For instance, you can use the trigger facility to request the fund house to transfer your profits to an income fund once your fund has given 20%.

You can request for a transfer even if your investment hits a pre-determined point on the downside. Suppose you don’t want a loss of more than 10% on your fund, you can ask the fund house for a transfer to the income scheme when the NAV falls to Rs.9 from Rs. 10.

You can also redeem your entire investment or transfer the full portion in any scheme after hitting a pre-specified target.

Don’t stop SIPs

To get the best return from your SIP, you shouldn’t stop your SIP until your financial goal that is linked to the SIP is reached. However, you could consider switching funds if the fund you are investing in, is underperforming. Compounding works only in the long run. So, stay invested for at least 3 or more years to gain from your SIPs.

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