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Best SIPs For 5 Years Investment 2021

Looking for the best SIP mutual funds to buy in 2021. See the top mutual funds recommended by Cube’s Mutual Fund Advisory Partner, WealthFirst. Also, learn how Cube Wealth simplifies SIP mutual fund investments for you.
March 11, 2021

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A Systematic Investment Plan (SIP) is a sustainable way to save money, create wealth, and become a disciplined investor. We’re assuming you already know all about SIPs so let’s help you decide which ones you should invest in.

In this story, we'll get right down to business by revealing a snippet of the best SIPs for 5 years in equity, debt, and international funds currently being recommended on the Cube Wealth App. 

Best SIPs For 5 Years In Equity Funds

1. Axis Focused 25 Fund

Axis Focused 25 Fund is an open-ended equity scheme that invests in up to 25 stocks. It falls under the 'Flexi-cap' category which means the fund manager has the freedom to invest across categories like:

  • Large-cap companies
  • Mid-cap companies
  • Small-cap companies 

This flexibility and versatility of Axis Focused 25 fund may be suitable for long term investors who are looking to invest in SIP plans for 5 years or more. 

Key Details Of Axis Focused 25 Fund

Metric

Fund Details

CAGR (since inception)

15.78%

CAGR (5-years)

16.20%

Expense Ratio

1.73%

AUM

₹13,660.12 Cr

Minimum investment amount on Cube

₹5,000


2. Mirae Asset Large Cap Fund

Mirae Asset Large Cap Fund is an open-ended equity scheme that primarily invests in stocks of large-cap companies. A large-cap company is generally stable, consistent, and reliable.  

Mirae Asset Large Cap Fund looks to leverage these benefits to generate returns for its investors. Thus, the fund may be suitable for patient investors who want to stay locked-in for 5+ years. 

Key Details Of Mirae Asset Large Cap Fund

Metric

Fund Details

CAGR (since inception)

15.91%

CAGR (5-years)

17.70%

Expense Ratio

1.64%

AUM

₹ 23,353 Cr

Minimum investment amount on Cube

₹5,000


3. Motilal Oswal Midcap 30 Fund

Motilal Oswal Midcap 30 Fund is an open-ended equity scheme that invests in up to 30 of the best mid-cap stocks. Mid-cap companies are not nascent companies or industry leaders, they're in the middle. 

Because of this, mid-cap stocks have the potential to generate better returns than large-cap stocks while being less volatile than small-cap stocks. 

Thus, the fund may be suitable for investors who are ready to deal with short term fluctuations for potential long term gains over 5+ years.

Key Details Of Motilal Oswal Midcap 30 Fund

Metric

Fund Details

CAGR (since inception)

18.20%

CAGR (5-years)

12.67%

Expense Ratio

1.64%

AUM

₹1449.15 Cr

Minimum investment amount on Cube

₹10,000

See the full list of equity funds on the Cube Wealth app today 

Best SIPs For 5 Years In Debt Funds

1. IDFC Banking & PSU Debt Fund

The IDFC Banking & PSU Debt Fund is an open-ended debt scheme that invests in the money market and debt assets from the banking and PSU sector. 

Banking & PSU debt funds invest in the high-quality bonds of companies with a high credit rating (AAA). This implies that the fund carries low volatility but can be prone to interest rate fluctuations.

Thus, the IDFC Banking & PSU Debt Fund may be suitable for investors who want to leverage the benefits of the banking & PSU sector for generating wealth over 5+ years. 

Key Details Of IDFC Banking & PSU Debt Fund

Metric

Fund Details

CAGR (since inception)

8.43%

CAGR (5-years)

8.23%

Expense Ratio

1.64%

AUM

₹17,584 Cr

Minimum investment amount on Cube

₹5,000


2. ICICI Prudential Corporate Bond Fund

ICICI Prudential Corporate Bond Fund is an open-ended debt scheme that primarily invests in corporate bonds with a high credit rating (AA+). Corporate bonds pay a fixed interest that these funds look to leverage. 

Corporate bond funds carry a low risk of default and generate better returns than your average bank fixed deposit. Thus, the fund may be suitable for conservative investors looking for long term wealth creation with a SIP plan for 5 years.

Key Details Of ICICI Prudential Corporate Bond Fund

Metric

Fund Details

CAGR (since inception)

7.27%

CAGR (5-years)

8.26%

Expense Ratio

0.59%

AUM

₹21,155.67 Cr

Minimum investment amount on Cube

₹5,000


3. HDFC Money Market Fund

HDFC Money Market Fund is an open-ended debt scheme. It primarily invests in top-quality money market instruments that mature in approximately a year. 

Money market funds carry a low interest rate risk and volatility due to the average maturity duration of their portfolio. Thus, the fund may be suitable for investors looking to add debt funds to their portfolio for the long run. 

Key Details Of HDFC Money Market Fund

Metric

Fund Details

CAGR (since inception)

7.42%

CAGR (5-years)

7.01%

Expense Ratio

0.35%

AUM

₹10,530.19 Cr

Minimum investment amount on Cube

₹5,000


Learn more about debt fund SIPs on the Cube Wealth app today

Best SIPs For 5 Years In International Funds

1. Franklin India Feeder - Franklin U.S. Opportunities Fund

Franklin India Feeder - Franklin U.S. Opportunities Fund is an open-ended equity scheme. It is a feeder fund which means it invests its capital in an offshore fund - Franklin U.S. Opportunities Fund.

Franklin U.S. Opportunities Fund uses the capital to invest in high growth US stocks with the potential to generate long term wealth for its investors. There are two benefits to this:

  1. You get the benefits of US stocks without having to pick them on your own
  2. You don't have to pay taxes in the US

Thus the fund can be beneficial for investors looking to geographically diversify their portfolio with a SIP plan for 5+ years. 

Key Details Of Franklin India Feeder - Franklin U.S. Opportunities Fund 

Metric

Fund Details

CAGR (since inception)

19.40%

CAGR (5-years)

21.39%

Expense Ratio

1.62%

AUM

₹2851.9 Cr

Minimum investment amount on Cube

₹5,000


2. Edelweiss Greater China Equity Off-shore Fund

Edelweiss Greater China Equity Off-shore Fund is an open-ended 'fund of funds' scheme. Fund of funds don't invest in stocks or bonds, they invest in other mutual funds. 

Edelweiss Greater China Equity Off-shore Fund invests in JPMorgan Fund’s - Greater China Fund which invests in stocks of high growth companies in the Greater China region.

This fund may be suitable for investors with a long term outlook (5+ years) and the patience to bear short term fluctuations. 

Key Details Of Edelweiss Greater China Equity Off-shore Fund 

Metric

Fund Details

CAGR (since inception)

15.44%

CAGR (5-years)

25.08%

Expense Ratio

2.39%

AUM

₹1033.29 Cr

Minimum investment amount on Cube

₹5,000


Explore international mutual funds on the Cube Wealth app today

Note: All facts and figures in the tables above are updated as of 11/03/2021 and are taken from publicly available sources. While we update our pages regularly, we advise you to check the Cube Wealth App for the latest data.

How To Invest In The Best SIPs for 5 years?

Investing in the right SIPs can be one of the best ways to pay your future self. But here’s the catch, nobody really tells you what's right for you.

That is why most investors struggle to find the right SIP mutual funds based on their goals and risk profile. But there's a solution - Cube Wealth! 

Cube gives you access to curated mutual fund advice from Wealth First, Cube's mutual fund advisory partner. WF handpicks the best SIP mutual funds for Cube users. 

You can take the detailed risk analysis quiz on Cube Wealth and start a mutual fund SIP based on your investment goals and risk appetite with the QuickSIP feature for as low as ₹1000.

Cube's SuperSIP feature goes on to simplify the SIP process by letting you snooze your SIP payments in case you don't have capital. 

Invest in the best SIP mutual funds on the Cube Wealth app today 

Watch this video to know 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.

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