Earn Upto 12% Short Term Returns with P2P by Faircent!
Grow My Money
Investing Related

12 Best SIPs For The Long Term (10-20 Year Investment Time Frame Starting 2021)

Looking for long term SIP mutual funds? Read this blog to know more about the best SIPs for 10 to 20 years from the world of equity, debt, international, and liquid mutual funds. Find out how Cube Wealth makes it super simple to invest in SIPs online.
March 15, 2021

Schedule a call based on your convenience. And get an expert to help you invest.

Top 5 Reasons To Try Our Powerful Investment App!

  • High Quality MFs
  • Top Notch Stock Advisory
  • Expert Financial Advisors
  • Alternative Investments
  • Low Minimum Investments

The best Systematic Investment Plans (SIPs) have the potential to grow your wealth over the long term while simultaneously weathering the impact of short term fluctuations. 

In this blog, we’re going to tell you the 10 SIP mutual funds handpicked by our advisor, Wealth First. But before we jump in, let’s look at the benefits of investing using SIPs.  

Why Should You Invest In SIP Or Systematic Investment Plan?

1. High Returns

The best SIPs in equity or international mutual funds have the potential to compound. This can help investors accumulate a large sum of money in the future. These funds have been known to generate close to 10-18% returns over 5+ years.

For example, here’s a hypothetical example of what could happen if you invested ₹10,000 per month each in an equity (@12%) or an international fund (@15%) for 10+ years. 

 

Fund Type

10-Year SIP Returns

20-Year SIP Returns

Equity

₹11,23,390

₹75,91,479

International

₹15,86,572

₹1,27,59, 549

Check out Cube Wealth’s SIP calculator to find out how much you can make by starting a SIP.

2. Rupee Cost Averaging

Rupee cost averaging ensures you buy: 

  • More shares when the markets are down
  • Fewer shares when the markets are up

This will average out the impact of short term fluctuations and save you from the hassle of choosing the right time to invest. Here’s a hypothetical example of rupee cost averaging at work in SIPs Vs lump sum:

 

Name

Mr X

Mr Y

Month

NAV

Invested

Units

NAV

Invested

Units

Jan

20

₹2000

100

20

₹6000

300

Feb

40

₹2000

50

-

-

-

March

10

₹2000

200

-

-

-

Total

-

₹6000

350

-

₹6000

300

3. Affordable

A SIP is affordable because you don’t have to invest a large sum of money or lump sum. Instead, you invest a small amount of money every month or quarter. An app like Cube Wealth lets you invest in the best SIPs for as low as ₹1000.

12 Best SIPs For 10-20 Year Investment In FY 21 - 22

Here’s a sneak peek into SIPs currently being recommended by Cube’s mutual fund advisor, Wealth First and are perhaps the best SIPs to invest in for 10 to 20 years.

Best Equity Fund SIPs For 10-20 Years

 

Equity Fund Name

5 Year Returns

Minimum SIP Amount on Cube

Axis Small Cap Fund

18.48%

₹5000

Canara Robeco Emerging Equities Fund

20%

₹5000

HDFC Flexi Cap Fund

16.55%

₹5000


Start an equity fund SIP today

Best Debt Fund SIPs For 10-20 years

 

Debt Fund Name

5 Year Returns

Minimum SIP Amount on Cube

IDFC Banking & PSU Debt Fund

8.21%

₹5000

ICICI Prudential Corporate Bond Fund

8.29%

₹5000

HDFC Money Market Fund

7.02%

₹5000


Start a debt fund SIP today

Best International Fund SIPs For 10-20 years

 

International Fund Name

5 Year Returns

Minimum SIP Amount on Cube

Edelweiss Greater China Equity Off-shore Fund

26.82%

₹5000

Franklin India Feeder - Franklin U.S. Opportunities Fund

20.17%

₹5000

PGIM India Global Equity Opportunities Fund

21.25%

₹5000


Start an international fund SIP today

Best Liquid Fund SIPs For 10-20 years

 

Liquid Fund Name

5 Year Returns

Minimum SIP Amount on Cube

Nippon India Liquid Fund

6.37%

₹100

Invesco India Liquid Fund

6.29%

₹1000

Kotak Liquid Fund

6.27%

₹500


Start a liquid fund SIP today

Who Is The Right Advisor For Investing In SIP Online?

A leading advisor like Wealth First on the Cube Wealth app focuses on what is right for you, unlike a bank salesperson who’s looking to sell you mutual funds based on their sales target.

WF curates a list of the best mutual funds for Cube users based on their risk profile and investment goals. This helps you because you:

  • Don’t have to research and analyse 1000+ mutual funds
  • Get access to mutual funds that are right for you
  • Receive advice on when to sell a mutual fund

Wealth First has a track record of beating the market by ~50% over the past decade. But there’s more! Starting a SIP online using Cube Wealth is super simple. All you have to do is:

1. Download Cube Wealth 

2. Take a detailed risk quiz 

3. Get curated fund recommendations

4. Start a SIP

5. Think long term

It’s that convenient! Oh, wait. We forgot to mention Cube’s very own SuperSIP feature. It lets you:

  • Increase or decrease your future SIP amount
  • Change your future SIP due date
  • Snooze a SIP payment
  • Skip a SIP payment

Invest in the best SIPs on the Cube Wealth app today

Watch this video to learn more about handpicked mutual funds on Cube Wealth

[Updated on May 11th 2021]


Shriram Shekhar
Shriram is a Consultant at CubeWealth. He has developed cutting edge IT products for over 2 years before turning to his passion for the written word. His love for philosophy, developing products, and empowering people through quality content is what got him to CubeWealth.

Top 5 Reasons To Try Our Powerful Investment App!

Schedule a call based on your convenience. And get an expert to help you invest.

  • High Quality Mutual Funds
  • Top Notch Stock Advisory
  • Invest in U.S. Stocks
  • Alternative Investments
  • Low Minimum Investments
Try Cube’s Exclusive Wealth Concierge Service! We offer a 10-minute portfolio analysis and set up service to select users.

Want the best
investment blog delivered straight to your inbox?

Thank you for joining our mailing list!
Oops! Something went wrong while submitting the form.

Similar Posts

Calculate your
SIP returns

Calculate your
Lumpsum returns

Grow your money without wasting time

on stock picking, poring over excel sheets, financial news, analyzing market trends, tracking the Sensex, researching company fundamentals, comparing mutual funds, reading financial reports, trying to predict the future & losing your sanity!