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Where Should You Invest Rs 10,000 Per Month Via SIP?

Read this blog to understand how you can invest in SIP mutual funds. Get access to a snippet of the best mutual funds currently being recommended on Cube by our mutual fund advisor, Wealth First.
March 17, 2021

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So you've decided to invest in SIP mutual funds but you want to know which mutual funds to invest in. The confusion is understandable considering there are over 1000+ mutual fund schemes in India. 

Cube Wealth has put an end to this confusion by partnering with Wealth First. Wealth First curates a comprehensive list of the best SIP mutual funds on the Cube Wealth app. 

In fact, you can start a SIP on Cube Wealth for as low as ₹1000 but starting with at least ₹10,000 per month would be ideal if your aim is to build a substantial corpus. 

In this blog, we'll discuss a few of the best SIP mutual funds currently being recommended by Wealth First on Cube Wealth. 

What SIP Mutual Funds Should You Invest In?

First off, you should understand your risk level and have a clear idea of your investment goals before starting a SIP. The easiest way to find out both would be to take the detailed risk analysis quiz on Cube Wealth. 

It's a set of straightforward yet crucial questions that will help you recognize where you should invest your hard-earned money. You'll get access to handpicked mutual funds once you take the quiz. 

Now, these can be your possible SIP mutual funds options on Cube Wealth:

1. Liquid funds

2. Conservative funds

3. Moderate funds

4. Aggressive funds

5. International funds

6. ELSS funds

Cube's unique perfect portfolio builder based on the bucket philosophy will help you diversify your SIP mutual fund investments across these categories of mutual funds based on your risk level and goals.

Perfect Portfolio Builder

Check out the risk quiz on Cube Wealth today

Best SIP Mutual Funds For 5 Years Investments

A 5-year investment timeline falls under the medium term. Potential options for this would include liquid, debt, equity, international, and ELSS funds. 

Best Liquid Funds For 5 Year SIP Investment

1. Nippon India Liquid Fund

2. SBI Liquid Fund

3. HDFC Liquid Fund

Start a liquid fund SIP for ₹1000 now

Best Debt Funds For 5 Year SIP Investment

1. ICICI Prudential Corporate Bond Fund

2. Axis Banking and PSU Debt Fund

3. IDFC Dynamic Bond Fund

Best Equity Funds For 5 Year SIP Investment

1. Motilal Oswal Focused 25 Fund (Conservative)

2. Axis Focused 25 Fund (Moderate)

3. Motilal Oswal Midcap 30 Fund (Aggressive)

Best International Funds For 5 Year SIP Investment

1. Edelweiss Greater China Equity Off-shore Fund

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

3. PGIM India Global Equity Opportunities Fund

Best ELSS Funds For 5 Year SIP Investment

1. Mirae Asset Tax Saver Fund

2. Kotak Tax Saver Fund

Explore these SIP mutual funds on Cube now

Best SIP Mutual Funds For 10 Years Investments

Anything beyond 10+ years is generally treated as the long term. SIP mutual fund options for this would include debt funds, equity funds, international funds, and ELSS funds. 

Best Debt Funds For 10 Year SIP Investment

1. ICICI Prudential Corporate Bond Fund

2. Axis Money Market Fund

3. HDFC Money Market Fund

Best Equity Funds For 10 Year SIP Investment

1. Mirae Asset Large Cap Fund

2. Canara Robeco Emerging Equities Fund

3. Kotak Small Cap Fund

Best International Funds For 10 Year SIP Investment

1. Invesco Pan European Equity Fund

2. Nippon India Japan Equity Fund

3. Motilal Oswal S&P 500 Index Fund

Best ELSS Funds For 10 Year SIP Investment

1. Mirae Asset Tax Saver Fund

2. Kotak Tax Saver Fund

See full list of SIP mutual funds on Cube now


Investment Facts

Best SIP Mutual Funds For 15 Years Investments

Sustaining a SIP for 15 years has the potential to create a large corpus for you. Potential SIP mutual fund options for this include debt funds, equity funds, and international funds. 

Best Debt Funds For 15 Year SIP Investment

1. IDFC Banking & PSU Debt Fund

2. Axis Banking and PSU Debt Fund

3. HDFC Money Market Fund

Best Equity Funds For 15 Year SIP Investment

1. Motilal Oswal Focused 25 Fund (Conservative)

2. SBI Flexicap Fund (Moderate)

3. Axis Small Cap Fund (Aggressive)

Best International Funds For 15 Year SIP Investment

1. Edelweiss Greater China Equity Off-shore Fund

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

3. Invesco Pan European Equity Fund

Start a SIP now

Note: While we update our blogs regularly, download the Cube Wealth app for the latest mutual fund recommendations from Wealth First. 

Should You Invest In A SIP Mutual Fund?

Timing the market is perhaps one of the most difficult things to do as an investor. A SIP helps you negate this by letting you invest across market cycles. 

This leads to a popular phenomenon called rupee cost averaging which may be the biggest advantage a SIP has over one-time lump sum investments. 

Rupee cost averaging helps you average out the fluctuations of the market. It can be easily understood with this hypothetical example:

Investor Tom (SIP)

Investor Jerry (Lump sum)

NAV

Invested

Units

NAV

Invested

Units

20

₹10,000

500

20

₹40,000

1500

10

₹10,000

1000

X

X

X

20

₹10,000

500

X

X

X

25

₹10,000

400

X

X

X

Total

₹40,000

2400

Total

₹40,000

2000


As you can see, investor Tom owned more units towards the end of his SIP than Jerry who invested the same amount in one go. Other benefits of a SIP include:

  • Affordable: You don't have to burn a hole in your pocket to create wealth with a SIP 
  • Convenient: You can start a SIP using Cube Wealth in minutes with the QuickSIP feature*
  • Flexible: SIPs on Cube Wealth are flexible because of the unique SuperSIP feature**

Thus, Cube Wealth is the best way to invest in a SIP with convenient yet powerful features like QuickSIP, SuperSIP, and curated mutual fund recommendations that work for you. 

Download the Cube Wealth app to invest in the best SIP mutual funds

FAQs

*Q. What is QuickSIP on Cube Wealth?

Ans. The QuickSIP feature on Cube Wealth allows you to:

  • Take a risk quiz to understand your risk profile
  • Get SIP mutual funds specially handpicked for you
  • Start a SIP for as low as ₹10,000

Check out the QuickSIP feature today

**Q. What is SuperSIP on Cube Wealth?

Ans. The SuperSIP feature on Cube Wealth allows you to:

  • Change your SIP due date
  • Increase or decrease your future SIP amount
  • Snooze a SIP payment in case you're short on money
  • Skip a SIP payment entirely

Explore the SuperSIP feature today

Watch this video to see QuickSIP on Cube Wealth in action



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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