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Investing ₹25,000 through SIP? Here's when you should increase it or start a new fund
Mint 1 hr ago·8 Sept 2026, 1:22 pm
A Systematic Investment Plan (SIP) is a disciplined way to invest in mutual funds. The headline suggests that investors with a monthly commitment of ₹25,000 might be wondering if they should increase this amount or start a fresh fund. This decision is crucial for long-term wealth creation, as it directly impacts the total returns generated over time.
To illustrate, a ₹25,000 monthly SIP with a 10% annual top-up can grow significantly more than a fixed contribution. The teaser highlights that the top-up strategy can lead to a substantially higher corpus compared to a static investment. This difference arises because the additional money invested each year earns returns on top of previous returns, a phenomenon known as compounding.
Investors should consider their financial goals, risk appetite, and the performance of their current funds before making a decision. Diversification is also key; starting a new fund can help spread risk. Ultimately, the choice depends on individual circumstances and market conditions.
Excerpt from Mint
Should you top up your existing SIP or start a new one? A ₹ 25,000/month SIP with a 10% annual top-up can grow to ₹ 84.35 lakh in 10 years, vs ₹ 56.01 lakh without one. Experts say the right choice depends on diversification, risk profile and fund performance. Systematic Investment Plans (SIPs) allow investors to…Read the original at Mint
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