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25 Best SIPs To Invest In 2021-22

August 25, 2020

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[Updated on 04th January 2021]

One of the best ways to invest in mutual funds is through SIPs i.e. Systematic Investment Plans. Instead of putting a large chunk of your money into an investment in the form of a lump sum payment – you get to invest regularly in smaller amounts. A SIP gives you the best means to maximize returns while investing in multiple mutual funds. A SIP is a fixed monthly investment amount that you can choose as per your comfort.

Let’s now dive into a list of current top recommendations of SIPs to invest in. This is given by our wealth advisors from Wealth First.

While we update our blogs regularly, we recommend you download the Cube Wealth App to see the latest and most accurate data.

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Top Performing Best SIP Mutual Funds in India

List Of Best Liquid Mutual Fund SIPs in India

  1. Nippon India Liquid Fund

  1. SBI Liquid Fund

  1. HDFC Liquid Fund

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List Of Best Debt Mutual Fund SIPs in India

  1. IDFC Banking & PSU Debt Fund

  1. Axis Money Market Fund

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List Of Best Conservative Mutual Fund SIPs in India

  1. Motilal Oswal Focused 25 Fund

  1. Mirae Asset Large Cap Fund

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List Of Best Moderate Mutual Fund SIPs in India

  1. Axis Focused 25 Fund

  1. Invesco India Growth Opportunities Fund

  1. Mirae Asset Focused Fund

  1. DSP Nifty Next 50 Index Fund

  1. Canara Robeco Emerging Equities Fund

  1. Invesco India Contra Fund

  1. Kotak Equity Opportunities Fund

  1. SBI Magnum Multicap Fund

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List Of Best Aggressive Mutual Fund SIPs in India

  1. Motilal Oswal Midcap 30 Fund

  1. ICICI Prudential Smallcap Fund

  1. Kotak Small Cap Fund

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List Of Best International Mutual Fund SIPs in India

  1. Made in China: Edelweiss Greater China Equity Off-shore Fund

  2. Americano Funds: Franklin India Feeder – Franklin U.S. Opportunities Fund

  1. Exotic Europe: Invesco Pan European Equity Fund

  1. Cherry Blossom: Nippon India Japan Equity Fund

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List Of Best Tax Saving Mutual Fund SIPs in India

  1. Mirae Asset Tax Saver Fund
  2. Kotak Tax Saver Fund

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Benefits of SIP

A Systematic Investment Plan or SIP is a method of investing in mutual fund schemes. Investing in SIPs is a methodical and diligent approach preferred by several investors. You can invest in SIPs for as little as Rs.1000 each month using the Cube Wealth app. Here are some key benefits you get if you invest in mutual funds through the SIP route:

  • SIPs can be for the short term or for the long term
  • You can start a SIP with as little as Rs.500 per month
  • SIPs offer you the flexibility of increasing or decreasing your investment amount
  • They offer easy liquidity compared to investments that offer similar returns
  • SIPs allow you to choose the duration of your investment
  • You can diversify your portfolio through multiple SIPs
  • SIPs are safer than investing directly in stocks
  • You do not need to be involved in the stock market on a daily basis to invest in SIPs
  • Benefit from compound interest and rupee cost averaging
  • SIPs can be automated using apps like Cube Wealth so they are easy investments

Who Should Invest in SIP?

Everyone! Even if you have other investments, there are no good reasons to not invest in mutual funds using SIPs. The above-listed benefits will make it clear that having SIPs is a great way to invest and will work even for seasoned investors. Essentially, anyone who is looking to create long term wealth and is not chasing a get rich quick scheme should invest using SIPs. If you look at SIP returns over the past decade you will realize that no matter how severe a dip the market sees, mutual fund investments have almost always been safe and when it comes to those who invest even through the lows, mutual fund investments via the SIP route reap rich returns and dividends. However, one must ensure they consult a wealth coach and only invest in mutual funds after clearly understanding their risk appetite, financial goals and needs.

How to Evaluate Best SIP Mutual Funds?

To identify the best SIP Mutual Funds, you must take multiple things into account:

  • See the historical returns of the fund: The past performance of a fund over 5+ years can help you understand the rate of returns and the post-tax profits.
  • Compare the funds returns with other funds in the same category: A good fund will have better returns than its benchmark and other funds from the same category.
  • Learn about the fund manager and their track record: More insight into the strategy of a fund manager can be helpful. Look out for investment objective changes, frequent rebalancing, and other such instances. 
  • Understand which sectors/companies the mutual fund invests in: Identify whether the fund is investing in booming sectors like financials and tech compared to pandemic affected sectors like retail and aviation. This could be crucial to invest in SIPs. 
  • See what the goal of the fund is as declared by the asset management firm: The fund objective can help you determine whether you should invest in the mutual fund SIP.

Contact a Cube Wealth Coach for reliable and honest investment advice.

Try our SIP Returns Calculator to see how much money you can make by investing in Mutual Funds

SIP Investment Mistakes To Avoid

  • Don’t try to time the market
  • Don’t miss a single SIP payment Be consistent
  • Don’t invest for quick returns
  • Don’t invest without talking to a Cube Wealth Coach
  • Don’t invest in too many funds- pick a few that work and stick to them
  • Don’t leave SIPs payments to memory – automate your investments

How to Invest in SIPs?

Broadly speaking, there are two simple ways of buying mutual funds in India – one where you invest a big amount in one go (Lump Sum Investment) & the other where you invest small yet substantial amounts at regular intervals (SIP). Let’s look at both of these a little more closely:

1. Lumpsum Investments

This is when you invest a large sum of money to buy mutual funds in one single transaction. This way you buy a big chunk of a mutual fund scheme that you believe will perform well in the long run. A lump sum investment works well when the market is down or when you’re investing for the long term and have a good risk appetite. People generally do this when they receive a large sum of money from retirement or sale of a house etc. However, most people can not afford to risk a large sum of money. Which is why they use Systematic Investment Plans (SIPs)

2. Systematic Investment Plan (SIP)

In this method of mutual fund investment you can give your bank a standing instruction to automatically debit a fixed amount of money from your account every month, quarter or year. This fixed amount of money is invested in a mutual fund scheme of your choice. This is a more disciplined and hands-off approach to investing in mutual funds. You can use the Cube Wealth App to safely invest in Mutual Funds via the SIP route.

We genuinely believe that the best way to invest in mutual funds is by using the Cube Wealth App. It is safe, easy to use and gives you access to investment advice from some of India’s & the world’s best wealth advisors. All this from one simple app on your phone! Here are the steps you need to follow:

  1. Download the Cube Wealth App
  2. Select risk level: low, medium or high
  3. Select the time frame as long
  4. Enter the amount you want to invest
  5. Browse recommended funds
  6. Tap On Invest

Want a person to help you through this?  EMAIL A CUBE WEALTH ADVISOR FOR FREE ADVICE

You can also watch this episode of The Cube Wealth show where we explain Why You Should Automate Your SIP Investment?

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These are Cube Wealth’s top picks for the best SIP funds of 2021. We update our lists regularly but recommend you connect with one of our experts through the Cube Wealth App before making any investment decisions.

Note: Always invest after analyzing your financial goals, investment horizon, and risk appetite.


1. How can you start Investing in SIP?

Ans. The Cube Wealth app is the easiest way to invest in SIPs. You can invest in SIPs for as low as ₹1000.

2. Which SIP is best for Investment?

Ans. You can invest in the best mutual funds via SIPs on the Cube Wealth app. These funds are hand-picked by our wealth advisor, Wealth First. Speak to a wealth coach to know which best SIP investment could work for you. 

3. Is SIP safe to invest?

Ans. Safe is a relative term. However, investing in an SIP helps you think long term and worry less about short term market fluctuations.

4. Can you lose money in SIP?

Ans. Based on bad investing decisions, market fluctuations, or both, there is a risk involved in SIPs just like every other investment. Speak to a wealth coach to invest in the best SIPs.

5. Is it the right time to invest in SIP?

Ans. Mutual fund SIPs are known to average out losses and produce favourable returns over the long term. So it is never too late to invest in a mutual fund SIP. Speak to a wealth coach or download the Cube Wealth app to know more. 

Rishabh P Nair
Rishabh P Nair is the Head Of Brand Content at Cube Wealth. Rishabh has been weaving stories for over 10 years and prides himself on building brands with a strong identity.

Top 4 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
  • Expert Financial Advisors
  • Alternative Investments

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