Systematic Investment Plans - Regular investing pays
When you are saving for the long term, it pays to regularly set aside a certain sum at regular intervals for investments. But then, finding avenues to invest every month is a hassle and investing in new options every month or so would not only become more difficult to follow-up but also dilute your portfolio.
Mutual funds offer an easy solution to this through Systematic Investment Plans (SIP) which allow you to invest in equity or debt in a disciplined manner. As an extension of this service, investors can also withdraw systematically (Systematic Withdrawal Plan or SWP) or transfer from one fund to another regularly (through Systematic Transfer Plan or STP).
This week we look at the SIP way of investing.
What is an SIP?
A systematic investment plan is one in which an investor invests a fixed amount of money at a fixed, periodic interval.
What is the frequency of the investment?
There are daily, weekly, fortnightly, monthly and quarterly options available.
How much money can an investor invest?
Some fund houses accept the first cheque amount as the SIP to be made in future, while some others would want a minimum amount to be invested as stipulated by the scheme. Some, for instance, accept Rs 250 per month as the minimum instalment. A daily SIP may have lower instalment amounts.
In which scheme can an investor invest?
SIPs cannot be done in close-end schemes. The investor can invest in any open-ended scheme.
What is the process to invest in an SIP?
Usually, the investor needs to open a folio with the fund house by filling in a form; or he can invest in an existing folio.
How does an investor invest?
The investor can invest in 3 different ways — one is by giving post-dated cheques. The second is by giving a debit mandate by Electronic Clearing Service (ECS), where the money would be debited at the intervals specified, from you and automatically invested in units.
The third option is to give a standing instruction to a bank, which has such an arrangement with the Asset Management Company (AMC). Among these options, the ECS method is popular, as it is not only hassle-free but also specifically requires a tie-up with the bank and AMC.
Sips Home Plans - News
SIPs help investors to save small amounts regularly and also help them to average the cost of acquiring the units. Can the units be held in demat form? Yes, the units can be held in demat and some fund houses allow SIPs on the Mutual Fund Service
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I have invested in eight mutual fund schemes and the market value is Rs 1.2 lakh. Now I have an SIP in Franklin India Blue Chip for Rs 2000. I have four ULIPs, but I have stopped paying premium in three plans after the mandatory three-year lock-in.
Long-term investors never time the market, but there are times when even for them, the stage looks set for either a lump sum investment or padding up their existing systematic investment plans (SIPs). Market trends we analysed and experts we spoke to
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We are building a home using Structured Insulated Paneling and radiant floor heat. Most of our choices have been based on “what is the most energy efficient choice?”. Our kitchen design incorporates a range hood vented through the wall. The builder indicates that this is an invitation for cold air as there will just be a flap separating the kitchen from the outdoors.
How much am I compromising the air tight house to have a range hood? How much cold air will come in through a standard range hood? How well does a ductless range hood work?
HELP
Your SIP home should have a “make-up” air supply to create a light positive pressure in your home. This keeps the air clean and free of contaminents like the out gassing of carpet, paint and even your breath. It also provides combustion air to your furnace or boiler. This positive pressure prevents cold air from entering through your range hood or dryer vent. RScott
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