10 Best SIP Plans for 10 years to invest in India

Best SIP Plans for 10 years to invest in IndiaBest SIP Plans for 10 years to invest in India


Stock Markets are taking correction now. Investors always look for moderate to high risk mutual fund investments in such stock market correction to reduce risk. Midcap and Smallcap mutual funds are high risk. However, there are certain mutual fund schemes that are good for moderate to high risk investors. If you are a long term investor, you can invest in some of these mutual funds through SIPs. Which are the Best SIP Plans for 10 years to invest in India? Which are the Top SIP Plans in India to invest for the next 10 years for moderate to high risk investors?

What is Systematic Investment Plan?


If you are already aware, skip this section.

Systematic Investment Plan (SIP) is a facility offered by mutual funds to invest specific amount in mutual funds. SIP allows investors to invest a specific amount at pre-defined intervals. One can do SIP either daily, weekly, fortnightly, monthly, quarterly, half-yearly or yearly. However, most of the investors invest in monthly SIP. If you are new to SIP, you should go through FAQS about SIPs that would help you to grow your money faster

You can refer this video to know more about SIP.

Credit: Yadyna Investment Academy

How we filtered Best SIP Plans for 10 years to invest?


We have considered below parameters to filter some of these SIP plans to invest for 10 years.

1) Mutual Fund Schemes from Large-cap, Multi-cap and Hybrid category are considered. These are known for moderate to high risk investors,

2) Mutual Fund schemes that performed well in various market cycles in the last 10 years are considered.

3) Weight age is given to short term performance too as stock markets are volatile in the last 9-12 months period.

4) Mutual funds considered that are rated as 3-star, 4-star and 5-star by Value Research Online.

5) Assets Under Management (AUM) of > Rs 500 Crores are considered. This shows that there is investor confidence.

6) These mutual funds could be a repetition in our earlier recommendations. If you are already investing, continue to invest.

Who can invest in these SIP Plans for 10 years?


If you are falling in any of the below categories, you can consider investing in these funds.

1) These mutual funds are filtered from large cap, midcap and balanced category. Hence, these are for moderate to high risk investors. If you are a low risk investor, ignore these mutual fund schemes.

2) These mutual funds are meant to invest through SIP. Means you can invest as low as Rs 500 per month in such schemes. If you want to invest in a lump sum, you need to check for any stock market correction. Otherwise, these are not for lump sum investments.

3) These mutual fund schemes are meant for long term investment of 10 years+. These are best SIP plans for 15 years or 20 years too. If you want to invest say for 3 years or 5 years, stay away from these mutual funds.

4) If you do not want to invest in small-cap or midcap as those are high risk, but want to invest in mutual fund schemes by taking risk, these mutual funds could be the best bet for you.

Best SIP Plans for 10 years to invest in India


Now let us jump into the SIP mutual funds to invest for long term of 10 years.

#1 – SBI Focused Equity Fund


Quick Overview

The MF seeks to provide the investor with the opportunity of long-term capital appreciation by investing in a concentrated portfolio of equity and equity related securities.

Performance and Ratios of the fund

This mutual fund scheme gave 18% annualized returns in the last 10 years, 13% annualized returns in the last 5 years and 10% annualized returns in the last 3 years.

If one would have invested Rs 1,000 per month through SIP for 5 years, the investment would have been Rs 60,000 (Rs 1,000 x 60 months) and the invested value would have now grown to Rs 77,000.

If one would have invested Rs 1,000 per month through SIP for 10 years, the investment would have been Rs 1.2 Lakhs (Rs 1,000 x 120 months) and the invested value would have now grown to Rs 2.6 Lakhs.

This fund has a beta of 0.88 and Alpha of 2.31. Investors should invest in mutual fund schemes that has beta of <1 and positive alpha for low risk and high returns.

Why to invest?

This mutual fund was launched 15 years back and has been a consistent performer. This fund has given 19% annualized return since inception in the last 15 years. This has a low beta and high alpha, which is relatively low risk and high return fund. Considering these factors, this is one of the Best SIP Plans in SBI to invest for next 10 years.

#2 – Mirae Asset Large Cap Fund


Quick Overview

The scheme aims to maximize long term capital appreciation by finding investment opportunities resulting from Indian economic growth and its structural shifts through investing in equity and equity related securities.

Performance and Ratios of the fund

This mutual fund scheme gave 16% annualized returns in the last 10 years, 12% annualized returns in the last 5 years and 11% annualized returns in the last 3 years.

If one would have invested Rs 1,000 per month through SIP for 5 years, the investment would have been Rs 60,000 (Rs 1,000 x 60 months) and the invested value would have now grown to Rs 77,000.

If one would have invested Rs 1,000 per month through SIP for 10 years, the investment would have been Rs 1.2 Lakhs (Rs 1,000 x 120 months) and the invested value would have now grown to Rs 2.55 Lakhs.

This fund has a beta of 0.94 and Alpha of 0.07. Investors should invest in mutual fund schemes that has beta of <1 and positive alpha for low risk and high returns. You can pick-up such best mutual fund schemes with alpha and Beta Ratios.

Why to invest?

This mutual fund was launched 11 years back and has been a consistent performer. This fund has given 15% annualized return since inception. This has a low beta and marginally high alpha, which is relatively low risk and high return fund. Considering these factors, it is one of the Good SIP Plans to invest for next 10 years.

#3 – HDFC Children’s Gift Fund


Quick Overview

The MF scheme seeks to generate capital appreciation / income from a portfolio of equity & equity related instruments and debt and money market instruments.

Performance and Ratios of the fund

This mutual fund scheme gave 16% annualized returns in the last 10 years, 10% annualized returns in the last 5 years and 8% annualized returns in the last 3 years.

If one would have invested Rs 1,000 per month through SIP for 5 years, the investment would have been Rs 60,000 (Rs 1,000 x 60 months) and the invested value would have now grown to Rs 72,000.

If one would have invested Rs 1,000 per month through SIP for 10 years, the investment would have been Rs 1.2 Lakhs (Rs 1,000 x 120 months) and the invested value would have now grown to Rs 2.3 Lakhs.

This fund has a beta of 0.85 and Alpha of -0.66. Investors should invest in mutual fund schemes that has beta of <1 and positive alpha for low risk and high returns. However, this fund has negative alpha, means it can under perform the indices.

Why to invest?

This mutual fund was launched 18 years back and has been a consistent performer. This fund has given 16% annualized return since inception. This has a low beta and negative alpha, which is relatively low risk and the returns could be low to high. Considering these factors, it is one of the Best SIP Plans to invest for 10 years for moderate risk takers.

#4 – Franklin India Focused Equity Fund


Quick Overview

The scheme aims to achieve capital appreciation through investing predominantly in Indian companies/sectors with high growth rates or potential.

Performance and Ratios of the fund

This mutual fund scheme gave 15% annualized returns in the last 10 years, 11% annualized returns in the last 5 years and 7% annualized returns in the last 3 years.

If one would have invested Rs 1,000 per month through SIP for 5 years, the investment would have been Rs 60,000 (Rs 1,000 x 60 months) and the invested value would have now grown to Rs 71,000.

If one would have invested Rs 1,000 per month through SIP for 10 years, the investment would have been Rs 1.2 Lakhs (Rs 1,000 x 120 months) and the invested value would have now grown to Rs 2.5 Lakhs.

This fund has a beta of 0.98 and Alpha of -0.12. Investors should invest in mutual fund schemes that has beta of <1 and positive alpha for low risk and high returns. However, this fund has a minor negative alpha, means it can under perform the indices.

Why to invest?

This mutual fund was launched 12 years back and has been a consistent performer. This fund has given 12% annualized return since inception. This has a low beta and marginal negative alpha, which is relatively low risk and the returns could be medium to high. Considering these factors, this fund is one of the Top SIP Plans to invest for 10 years.

#5 – Reliance Multi Cap Fund


Quick Overview

The mutual fund  aims to invest in stocks across those sectors and industries where India’s strong inherent potential is increasingly becoming visible to the world, which are driving our economy and whose fundamental future growth is influenced by ongoing economic reforms, FDI inflows and infrastructural changes.

Performance and Ratios of the fund

This mutual fund scheme gave 15% annualized returns in the last 10 years, 8% annualized returns in the last 5 years and 6% annualized returns in the last 3 years.

If one would have invested Rs 1,000 per month through SIP for 5 years, the investment would have been Rs 60,000 (Rs 1,000 x 60 months) and the invested value would have now grown to Rs 67,000.

If one would have invested Rs 1,000 per month through SIP for 10 years, the investment would have been Rs 1.2 Lakhs (Rs 1,000 x 120 months) and the invested value would have now grown to Rs 2.1 Lakhs.

This fund has a beta of 0.98 and Alpha of -1.24. Investors should invest in mutual fund schemes that has beta of <1 and positive alpha for low risk and high returns. However, this fund has negative alpha, means it can under perform the indices.

Why to invest?

This mutual fund was launched 13 years back and has been a consistent performer. This fund has given 16% annualized return since inception. Considering some of these factors, this is one of the Best SIP Plans to invest for 10 years in Multicap mutual funds segment.

#6 – HDFC Hybrid Equity Fund


Quick Overview

The Scheme seeks to generate capital appreciation / income from a portfolio, predominantly of equity & equity related instruments

Performance and Ratios of the fund

This mutual fund scheme gave 15% annualized returns in the last 10 years, 10% annualized returns in the last 5 years and 8% annualized returns in the last 3 years.

If one would have invested Rs 1,000 per month through SIP for 5 years, the investment would have been Rs 60,000 (Rs 1,000 x 60 months) and the invested value would have now grown to Rs 67,000.

If one would have invested Rs 1,000 per month through SIP for 10 years, the investment would have been Rs 1.2 Lakhs (Rs 1,000 x 120 months) and the invested value would have now grown to Rs 1.9 Lakhs.

This fund has a beta of 0.84 and Alpha of -0.57. Investors should invest in mutual fund schemes that has beta of <1 and positive alpha for low risk and high returns. However, this fund has negative alpha, means it can under perform the indices.

Why to invest?

This mutual fund was launched almost 19 years back and has been a consistent performer. This fund has given 15% annualized return since inception. Considering some of these factors, this is one of the Good SIP Plans to invest for 10 years in Hybrid Aggressive Mutual Fund Category.

#7 – ICICI Prudential Equity & Debt Fund


Quick Overview

The scheme seeks to generate long-term capital appreciation and current income by investing in a portfolio that is investing in equities and related securities as well as fixed income and money market securities. The approximate allocation to equity would be in the range of 60-80 per cent with a minimum of 51 per cent, and the approximate debt allocation is 40-49 per cent, with a minimum of 20 per cent.

Performance and Ratios of the fund

This mutual fund scheme gave 14% annualized returns in the last 10 years, 10% annualized returns in the last 5 years and 8% annualized returns in the last 3 years.

If one would have invested Rs 1,000 per month through SIP for 5 years, the investment would have been Rs 60,000 (Rs 1,000 x 60 months) and the invested value would have now grown to Rs 73,000.

If one would have invested Rs 1,000 per month through SIP for 10 years, the investment would have been Rs 1.2 Lakhs (Rs 1,000 x 120 months) and the invested value would have now grown to Rs 2.4 Lakhs.

This fund has a beta of 0.73 and Alpha of 0.34. Investors should invest in mutual fund schemes that has beta of <1 and positive alpha for low risk and high returns.

Why to invest?

This mutual fund was launched almost 20 years back and has been a consistent performer. This fund has given 14% annualized return since inception. Considering some of these factors, it is one of the Top SIP Plans to invest for 10 years in the Hybrid Mutual Fund Category.

#8 – BNP Paribas Multi Cap Fund


Quick Overview

The scheme seeks to generate long term capital growth from an actively managed portfolio of equity and equity related securities across market capitalisation.

Performance and Ratios of the fund

This mutual fund scheme gave 14% annualized returns in the last 10 years, 9% annualized returns in the last 5 years and 7% annualized returns in the last 3 years.

If one would have invested Rs 1,000 per month through SIP for 5 years, the investment would have been Rs 60,000 (Rs 1,000 x 60 months) and the invested value would have now grown to Rs 70,000.

If one would have invested Rs 1,000 per month through SIP for 10 years, the investment would have been Rs 1.2 Lakhs (Rs 1,000 x 120 months) and the invested value would have now grown to Rs 2.2 Lakhs.

This fund has a beta of 0.99 and Alpha of -1.68. Investors should invest in mutual fund schemes that has beta of <1 and positive alpha for low risk and high returns.

Why to invest?

This mutual fund was launched almost 14 years back and has been a consistent performer. This fund has given 12% annualized return since inception. Considering some of these factors, one can invest in this mutual fund scheme for the next 10 years through SIP.

#9 – ICICI Prudential Blue Chip Fund


Quick Overview

The scheme seeks to generate long term capital appreciation and income distribution to investors from a portfolio that is predominantly invested in equity and equity related securities of large cap companies.

Performance and Ratios of the fund

This mutual fund scheme gave 13% annualized returns in the last 10 years, 9% annualized returns in the last 5 years and 8% annualized returns in the last 3 years.

If one would have invested Rs 1,000 per month through SIP for 5 years, the investment would have been Rs 60,000 (Rs 1,000 x 60 months) and the invested value would have now grown to Rs 73,000.

If one would have invested Rs 1,000 per month through SIP for 10 years, the investment would have been Rs 1.2 Lakhs (Rs 1,000 x 120 months) and the invested value would have now grown to Rs 2.2 Lakhs.

This fund has a beta of 0.83 and Alpha of -1.68. Investors should invest in mutual fund schemes that has beta of <1 and positive alpha for low risk and high returns.

Why to invest?

This mutual fund was launched almost 11 years back and has been a consistent performer. This fund has given 13% annualized return since inception. Considering some of these factors, it is one of the best SIP Plans in 2019 from Bluechip segment.

#10 – Canara Robeco Equity Hybrid Fund


Quick Overview

The scheme seeks to build a balanced portfolio, which would provide a combination of high annual return and capital appreciation. The scheme was made open-ended from March 2000.

Performance and Ratios of the fund

This mutual fund scheme gave 13% annualized returns in the last 10 years, 10% annualized returns in the last 5 years and 8% annualized returns in the last 3 years.

If one would have invested Rs 1,000 per month through SIP for 5 years, the investment would have been Rs 60,000 (Rs 1,000 x 60 months) and the invested value would have now grown to Rs 72,000.

If one would have invested Rs 1,000 per month through SIP for 10 years, the investment would have been Rs 1.2 Lakhs (Rs 1,000 x 120 months) and the invested value would have now grown to Rs 2.2 Lakhs.

This fund has a beta of 0.80 and Alpha of -0.31. Investors should invest in mutual fund schemes that has beta of <1 and positive alpha for low risk and high returns.

Why to invest?

This mutual fund was launched almost 25 years back and has been a consistent performer. This fund has given 12% annualized return since inception. Considering some of these factors, it is one of the best SIP to invest in 2019.

Here is the List of Best SIP Plans for 10 years in India for moderate to high risk investors


List of Best SIP Plans for 10 years to invest in India

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Suresh KP

Best SIP Plans for 10 years to invest in India

 

3 comments

  • Kinjal Shah

    Dear Sir,

    Would you recommend below Arbitrage Funds for long term:

    1. ICICI Pru Equity Arbitrage Fund
    2. Kotak Equity Arbitrage Fund

    Regards
    kinjal

  • Arun

    Sir i am investing in reliance tax tax saver (elss) till now m investing 80000 and current value is 66946 means -13000… So should i exit or stay with it.. Please suggest me m really frustrated

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