5 SIPs ( Systematic Investment Plans) you can invest in 2015

Most of us try to save some small amount from our monthly expenses so that it can act as buffer in the time of crisis. Wouldn’t it be great if this small buffer amount also provides returns? Some keep it in their cupboards, some may accumulate in a savings account or some may invest it. Recurring deposits, private kitties, stocks are some of the investment options used by most of us. However, the most rewarding option is the SIP (Systematic investment Plan) as it comparatively yields more returns than other investment options.

With the market plunging down, it is wise to invest in Mutual Funds than in individual stocks and also SIP will average the returns by utilizing the bears’ and bulls’ of market to its benefit.

Let us look at some of the best mutual fund schemes you can invest in. 

The criteria considered for shortlisting these schemes are listed below.

The primary source of information is moneycontrol.com

UTI MNC Fund (G):

This fund was launched in May 1998. Since then it has consistently provided good returns over the years. This scheme is suitable for long term as well as short-term investors and for investors with low risk appetite.

        Returns:  This fund has been consistently exceeding the category average returns over the years. The fund has been giving around 14% returns every year.

The following table illustrates the amount of returns based on your start date of SIP.

        Crisil Rank: It has been awarded with MF Rank #1 by CRISIL for quarter ended June 2015.

        AUM: As on Jul 31, 2015, UTI MNC fund stand with Rs. 1,406 crore of asset under management. The fund has consistently maintained its asset under management over the period. Growing investor’s confidence and investment in the scheme has led to the growth in the asset under management.

        Portfolio:  The portfolio of the scheme involves major investment across diversified sectors as illustrated below.

It has major investment in companies like Maruti Suzuki, Bosch, HUL, United Spirits etc. 

Risk Category: Moderately Low

Axis Long Term Equity Fund (G) 

This fund was launched in December 2009. Axis Long-term equity fund is the same Axis Tax Saver Fund, which was renamed in September 2011.This fund comes under ELSS (Equity Linked Savings Scheme) and enables investors claim rebate under section 80 C of Income Tax Act.

        Returns:  This fund has provided around returns of 9% p.a to 35% p.a in the last three years.

The following table illustrates the returns you would have reaped based on your SIP start date.

        Crisil Rank : It has been awarded with MF Rank #1 by CRISIL for quarter ended June 2015.

        AUM: As on Jul 31, 2015, Axis Long Term Equity Fund stands at Rs. 5,879 crore of asset under management. Thus, the fund ensures investors’ confidence by providing benchmark-exceeding returns over the long term.

        Portfolio:  The portfolio of the scheme involves investment across diversified sectors as illustrated below.

The fund invests in top companies like HDFC Bank, TCS, Kotak Mahindra, Sun Pharma, Maruti Suzuki, Pidilite Industries etc.

Risk Category: Moderately High

 Birla Sun Life Top 100 Fund (G) 

This fund was started in September 2005. This fund is suitable for investors looking for medium to long-term capital growth.  The capital is mainly invested in equity and related securities of top 100 companies with respect to their market capitalization.

        Returns:  This fund has provided equal or exceedingly good returns as compared to its competitors or the category average returns.

The following table illustrates the returns you would have reaped based on your SIP start date.

        Crisil Rank: It has been awarded with MF Rank #1 by CRISIL for quarter ended June 2015

        AUM: As on Jul 31, 2015, Birla Sun life Top 100 Fund claims Rs. 1,976 crore of asset under management. The fund has attracted more assets year over year which evidents increasing investors’ confidence in the fund and its returns.

        Portfolio:  The portfolio of the scheme involves investment predominantly in the large cap stocks as illustrated below.

The fund invests in large cap companies like HDFC Bank, ICICI Bank, Reliance, Axis Bank, Maruti Suzuki, Infosys,SBI  etc.

Risk Category: Moderately High

Goldman Sachs Nifty Exchange Traded Scheme 

This fund was launched in December 2001. This fund is apposite for investor’s aiming to yield gains that closely correspond to the Nifty index.

        Returns:  This fund has provided correspondingly good nifty Index related returns as compared to its peers and competitors in the fund category.

The following table illustrates the returns you would have reaped based on your SIP start date.

        Crisil Rank: It has been awarded with MF Rank #1 by CRISIL for quarter ended June 2015.

        AUM: As on Jul 31 2015, Goldman Sachs Nifty ETS vaunts Rs. 843 crore of assets under management. The assets under management have consistently grown since the fund inception.

        Portfolio:  The portfolio of the scheme involves investment in top companies comprising Nifty Index.

The fund invests in Companies comprising Nifty Index like HDFC Bank, Infosys,ITC, ICICI Bank, TCS, Axis Bank etc.

Risk Category: Moderately High

SBI Magnum Gilt - Long Term Plan (G) 

This fund was introduced in Januray 2001. This fund is apposite for conservative investors willing to take moderate risk. The funds are invested in government securities issued by Central or State Government.

        Returns:  This fund has publicized more than average returns as compared to its peers and competitors in the fund category.

The following table illustrates the returns you would have reaped based on your SIP start date.

        Crisil Rank: It has been awarded with MF Rank #1 by CRISIL for quarter ended June 2015.

        AUM: As on Jul 31 2015, SBI Magnum Gilt- Long Term Plan brags Rs. 1,677 crore of assets under management. The assets under management have shown steady or an upward trend.

        Portfolio:  The portfolio of the scheme involves investment in long & short term debts

 Risk Category: Moderate