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Investment Knowledge: Which SIP Is Best For 50 Years?

Looking for the best SIPs for 50 years? Read this blog to find out! Get a list of top mutual fund SIPs for the long term and learn how you can start a SIP online.
October 28, 2021

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A Systematic Investment Plan (SIP) is generally known to be one of the best ways to invest in mutual funds. The reason? SIPs combine the power of compounding and time while being flexible and convenient. 

Compounding means that the existing returns are reinvested to earn more returns. Add time to the mix, say 50 years, and you’ll notice that even a ₹10,000 SIP can compound into a profit of ₹16,59,15,044 at 10% returns.  

However, the magic sauce lies in choosing the right SIPs even if you’re investing for 50 years. That’s why we’ve put together a list of the best SIP mutual funds that can generate lucrative returns over the long term.

Best SIPs For 50 Years Investment 2021

This list will answer the question of which SIP is best for 50 years. Broadly speaking, debt funds and liquid funds may not be the ideal investment for the long term because they’re generally recommended for 0-3 years. 

That’s why this list of the best SIPs for 50 years will primarily consist of equity funds like large-cap funds, ELSS funds, and international funds, which are known to generate potentially high returns over the long term.  

A. Large-Cap SIP Mutual Funds For 50 Years

A large-cap mutual fund primarily invests in large-cap stocks like Reliance Industries, Infosys, HDFC Bank, and others. Large-cap companies are generally known for their stable and consistent performance.

Fund Name

5-Year Returns

Expense Ratio

AUM (in Cr)

Mirae Asset Large Cap Fund

15.45%

1.59%

₹30,456

Motilal Oswal Focused 25 Fund

14.15%

2.21%

₹1,832

B. Mid-Cap SIP Mutual Funds For 50 Years

Mid-cap stocks that their namesake mutual funds invest in are known to be relatively less stable than large-cap stocks. However, they have the potential to grow into industry leaders and move to the large-cap category. 

Fund Name

5-Year Returns

Expense Ratio

AUM (in Cr)

Motilal Oswal Midcap 30 Fund

11.05%

2.10%

₹2,367

PGIM India Midcap Opportunities Fund 

19.20%

2.29%

₹3,060

C. Small-Cap SIP Mutual Funds For 50 Years

Small-cap funds invest in small-cap stocks that are budding companies banking on future success. They are generally volatile but have the potential to generate better returns than midcap and large-cap stocks.

Fund Name

5-Year Returns

Expense Ratio

AUM (in Cr)

Axis Small Cap Fund

20.51%

1.99%

₹7,303

ICICI Prudential Smallcap Fund

16.87%

2.21%

₹3,187

Hey! We’ve covered the reasons why small-cap and mid-cap funds have been soaring recently in this blog

D. Flexi-Cap SIP Mutual Funds For 50 Years

A flexi-cap mutual fund has the flexibility to invest in stocks from different market caps. These funds are known to generate returns that are on par with large-cap funds as they primarily invest in large-cap stocks. 

Fund Name

5-Year Returns

Expense Ratio

AUM (in Cr)

SBI Flexicap Fund

13.85%

1.92%

₹15,291

HDFC Flexi Cap Fund

13.31%

1.74%

₹26,773

E. International SIP Mutual Funds For 50 Years

International funds invest in foreign stocks of companies like Microsoft, Google, Tesla, and others. There’s no special process to invest in international funds. You can invest in them just like any other mutual fund.

Fund Name

5-Year Returns

Expense Ratio

AUM (in Cr)

Franklin India Feeder - Franklin U.S. Opportunities Fund

23.35%

1.62%

₹3,838

PGIM India Global Equity Opportunities Fund

22.43%

2.43%

₹1,518

F. ELSS SIP Mutual Funds For 50 Years

An Equity Linked Saving Scheme (ELSS) fund carries a lock-in of 3 years and allows you to save up to ₹46,800 in tax under Section 80C. It primarily invests in large-cap stocks. 

Fund Name

5-Year Returns

Expense Ratio

AUM (in Cr)

Mirae Asset Tax Saver Fund

20.39%

1.69%

₹9,832

How To Invest In Mutual Funds SIP Online?

There are two ways to start a SIP in mutual funds online. The first way would include investment apps that make it easier for you to start a SIP with a quick onboarding flow. You’ll have to:

  • Download the investment app
  • Complete the KYC procedure
  • Pick mutual funds
  • Start a SIP
  • Stay consistent for 50 years

AMCs that handle mutual funds also allow you to start a SIP with them. That’s the second way. You’ll have to fill in the prerequisites like the KYC information and pick mutual funds offered by the AMC to start a SIP.

Want to know more about starting a SIP? Click here

Don't Forget To Get Your Mutual Fund Portfolio Analysed!

Let's face it, a lot can change over the course of 50 years since it is, after all, a really long time. The fund house, fund manager, fund's stock holdings, and more can change.

Thus, it is important to get your portfolio analysed at least once a year to ensure your funds are still top notch. You can check out how it works by clicking on the "Free Tools" section up above.

SIP Calculator For 50 Years

A SIP calculator like the one Cube gives you access to will make it easier for you to visualize how much wealth you can generate in 50 years. Follow these steps to get started with the SIP Calculator for 50 years:

  • Enter SIP amount
  • Keep the years locked at 50
  • Toggle the potential returns
  • See how much you’ll earn

It’s that simple. Test it out for yourself here:

Note:

Facts & figures are true as of 26-10-2021. The funds mentioned are suggestions based on funds handpicked by Cube's expert Mutual Fund Advisory partner. Before investing please take Cube's Portfolio Planner feature to ensure the funds you see are right for your goals, life stage, risk level and finances. None of the information shared here is to be construed as investment advice.

Shriram Shekhar
Shriram is a Content Marketer at Cube Wealth, the Financial Freedom App with a smart Perfect Portfolio Planner. He has developed cutting edge IT products for over 2 years before turning to his passion for the written word. Shriram’s love for philosophy, product development, and empowering people through quality content is what got him to Cube Wealth.

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Try Cube’s Exclusive Wealth Concierge Service! We offer a 10-minute portfolio analysis and set up service to select users.

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