SIPs or systematic investment is a preferred way of investing in equity mutual funds for most investors. This method helps investors to invest a particular amount regularly in the market irrespective of the market conditions. It is the easiest and perhaps the only proven way to create wealth over a long period of time.
ETMutualFunds did some data crunching and found top 10 mutual funds that offered good returns in a five year horizon. These 10 schemes offered returns ranging between 33.22%-48.52% in five years.
A monthly SIP of Rs 10,000 in Quant Small Cap Fund would have grown to Rs 19.01 lakh in a five year period with a XIRR of 48.52%. Quant Mid Cap Fund offered 37.46%. A monthly SIP of Rs 10,000 would have now been Rs 14.81 lakh.
Nippon India Small Cap Fund, the largest scheme in the small cap category based on assets managed, would have made a monthly SIP of Rs 10,000 to Rs 14.79 lakh. The next two schemes were from Quant Mutual Fund. Quant Flexi Cap Fund and Quant ELSS Tax Saver Fund offered 36.51% and 35.88% respectively.
Around 198 equity mutual fund schemes completed five years of existence in the market. These top 10 schemes were from small cap, mid cap, flexi cap, ELSS, contra fund categories.
For the analysis, we considered equity categories like large cap, mid cap, small cap, large & mid cap, focused fund, ELSS, multi cap, flexi cap, value, and contra fund. We calculated the XIRR returns for the investments made through SIP. Regular and growth option schemes were considered for the analysis. The XIRR returns for five years were calculated for the period starting from February 22, 2019 to February 22, 2024.
Note, the above exercise is not a recommendation. The purpose of the exercise was to find the top 10 equity schemes for SIP in 5 years. One should not make investment or redemption decisions based on the above exercise.
One should always consider risk appetite, investment horizon and goal before making investment decisions. Past performance of the scheme does not guarantee future performance.
FAQs
Highest Return Mutual Funds in Last 5 Years
| Fund Name | 3 Years Return | 5 Years Return |
|---|
| Quant Active Fund (G) | 25.0% | 30.0% |
| Quant Multi Asset Fund (G) | 25.6% | 29.0% |
| ICICI Prudential Infrastructure Fund (G) | 39.1% | 27.9% |
| Motilal Oswal Midcap fund (G) | 36.2% | 27.9% |
16 more rowsTop 7 SIP Mutual Funds in 10 Years: Rs 10K SIP in the top fund has given over Rs 54 lakh
- Quant Small Cap Fund - Direct Plan. ...
- Quant Infrastructure Fund - Direct Plan. ...
- Quant ELSS Tax Saver Direct Plan. ...
- Nippon India Small Cap Fund - Direct Plan. ...
- Quant Mid Cap Direct Plan. ...
- Invesco India Infrastructure Fund - Direct Plan.
The three toppers in the list were from one fund house - Quant Mutual Fund. Quant Small Cap Fund, Quant Mid Cap Fund, and Quant ELSS Tax Saver Fund gave 37.30%, 31.84%, and 30.37% returns, respectively on SIP investments in the last seven years.
Which bank is best for SIP? ›
Best SIP Plans in India in 2024
| Returns |
|---|
| Fund Name | 3 Years | 5 Years |
|---|
| Multi Cap Growth Fund ICICI Prudential | 17.36% | 13.61% |
| Equity Fund SBI | 16.9% | 14.63% |
| Equity II Fund Canara HSBC Oriental Bank | 15.99% | 12.31% |
7 more rowsHow much is Rs. 5,000 for 5 years in SIP? If you invest Rs. 5,000 per month through SIP for 5 years, assuming 12% return. The estimate total returns will be Rs. 1,12,432 and the estimate future value of your investment will be Rs. 4,12,431.
What is the safest investment with the highest return? ›
These seven low-risk but potentially high-return investment options can get the job done:
- Money market funds.
- Dividend stocks.
- Bank certificates of deposit.
- Annuities.
- Bond funds.
- High-yield savings accounts.
- 60/40 mix of stocks and bonds.
Best-performing U.S. equity mutual funds
| Ticker | Name | 5-year return (%) |
|---|
| USSPX | Victory 500 Index Member | 13.60% |
| MAEIX | MoA Equity Index Fund | 13.40% |
| BSPSX | iShares S&P 500 Index Service | 13.33% |
| VLACX | Vanguard Large Cap Index Investor | 13.30% |
3 more rowsMay 1, 2024
List of High Risk & High Returns in India sorted by ET Money Ranking
- Mirae Asset Midcap Fund. EQUITY Mid Cap. ...
- Kotak Emerging Equity Fund. EQUITY Mid Cap. ...
- PGIM India Midcap Opportunities Fund. ...
- Nippon India Small Cap Fund. ...
- Kotak Small Cap Fund. ...
- Nippon India Growth Fund. ...
- Axis Small Cap Fund. ...
- Invesco India Mid Cap Fund.
If you invest Rs 1000 for 20 years , if we assume 12 % return , you would get Approx Rs 9.2 lakhs. Invested amount Rs 2.4 Lakh.
How to find the best mutual fund for SIP? ›
5 Factors To Keep In Mind When Choosing SIP For Investing
- Have A Concrete Investment Objective? There are a lot of investors who invest in mutual funds just to save tax or they have some extra cash to park in markets. ...
- Choose Your Fund Type. ...
- Look Over The Fund's Performance: ...
- Choose A Fund House: ...
- Expense Ratio:
A Rs 5,000 SIP in the 10 years, or Rs 6,00,000 investment, has given a total of 23,04,777. A Rs 10,000 SIP in the 10 years, or Rs 12,00,000 investment, has given a total of 46,09,554.
Which is the safest SIP in India? ›
Top 10 Best Mutual Funds SIP to Invest In India
- ICICI Pru Bluechip Fund.
- HDFC Flexi Cap Fund.
- Nippon India Small Cap Fund.
- HDFC Balanced Advantage Fund.
- ICICI Prudential Equity & Debt Fund.
- ICICI Prudential Corporate Bond Fund.
- ICICI Prudential Short Term Fund.
- LIC MF Gold ETF FoF.
Future value (FV) = P x { ÷ r} x (1 + r)
| Duration | Amount Invested Monthly | Maturity Value |
|---|
| 5 years | 5000 | ₹4,12,432 |
| 8 years | 5000 | ₹8,07,633 |
| 10 years | 5000 | ₹11,61,695 |
| 12 years | 5000 | ₹16,11,261 |
3 more rowsSIP 2000 Per Month for 20 years: The Best Plans
| Mutual Fund | Risk Involved | Returns |
|---|
| UTI Transportation and Logistics Fund | High | 26.84% |
| Quant Mutual Large and Mid Cap Fund | Very High | 23.17% |
| Mirae Asset Large Cap | Moderate | 14.7% |
| HDFC Small Cap Fund | High | 21.43% |
6 more rowsFeb 28, 2024
If you invest ₹30,000 per month in a Systematic Investment Plan (SIP) for a period of 5 years, assuming an average annual return of 12% on your SIP investment, using the SIP calculator, your returns will be: Your invested amount will be: ₹18,00,000. Estimated Returns will be will be: ₹6,74,591.
How to get 50 lakhs in 5 years with SIP? ›
For example, if an individual plan to accumulate ₹50 lakhs over the tenure of 5 years, assuming the individual invests in a Flexicap fund or a Multicap fund which is giving an annualized return of 15%, then the individual needs to invest ₹55,750 per month for 5 years in order to generate the required corpus.
Which SIP is best for 5 years in SBI? ›
Best SBI SIP Plans with Highest Return in 2024
| Name | 5 Year Return | Monthly SIP |
|---|
| SBI Healthcare Opportunities Fund (G) | 25.2% | ₹ 10,000 |
| SBI Infrastructure Fund (G) | 25.2% | ₹ 10,000 |
| SBI Magnum Midcap Fund (G) | 24.2% | ₹ 10,000 |
| SBI Technology Opportunities Fund (G) | 22.6% | ₹ 10,000 |
6 more rowsThus, a combined monthly contribution of Rs 1.30 lakh would create a corpus of over Rs 1 crore in 5 years. Kukreja says an investor can split their equity SIP contributions equally between large-, multi asset, and flexi cap funds.
