What happens if I invest 1000 in SIP for 10 years ?

 

What happens if I invest 1000 in SIP for 10 years


SIP Mein 1000 Rupees Invest Karne Par 10 Saal Baad Kya Hota Hai

Systematic Investment Plan (SIP) ek aisa vidhim hai jisme aap nishchit dhan ki rashi ko har mahine ek nishchit scheme mein invest karte hain. SIP ke madhyam se aap ek vyavaharik aur vyavasthit tareeke se apni savings ko invest kar sakte hain, jo ki long term goals achieve karne ke liye ek achha vikalp ho sakta hai. Is article mein, hum samjhenge ki agar aap har mahine 1000 rupees ka SIP mein invest karte hain aur yeh investment 10 saalon tak chalti hai, toh aapko kis tarah ke returns mil sakte hain.

 

     SIP Kaise Kaam Karta Hai?

 

SIP mein aap har mahine ek nishchit amount invest karte hain, jo ki aapke chosen mutual fund scheme mein automatically invest ho jata hai. SIP ke fayde hain:

 

1.  Disciplined Investment : SIP aapko regular investment karne mein madad karta hai, jo ki wealth creation mein sahayak hota hai.

2.  Power of Compounding : SIP se aap apne investments par compounding ka fayda utha sakte hain, jo ki aapki investment ko time ke sath badhata hai.

3.  Rupee Cost Averaging : SIP mein aap ek fixed amount invest karte hain, jo ki market ke ups and downs ke bawajood ek average cost provide karta hai.

 

Example: SIP Mein 1000 Rupees Invest Karna

 

Maan lijiye aap har mahine 1000 rupees SIP mein invest karte hain aur yeh investment 10 saal tak chalti hai. Ab hum is investment ke growth ko samjhenge ek practical example ke madhyam se.

 

 Assumptions:

 

   Monthly Investment : 1000 rupees

   Investment Duration : 10 years

   Expected Annual Return : 12% (mutual fund schemes ke liye yeh ek aam return expectation hai)

 

 Calculations:

 

SIP ki value ko calculate karne ke liye, hum ek SIP calculator ka use karte hain. Is calculator ko use karne se humein pata chal sakta hai ki 10 saalon ke baad aapki investment ka total value kya hoga.

 

 SIP Formula:

 

SIP ka future value calculate karne ka formula hai:

 

Jahan:

   FV  = Future Value of SIP

   P  = Monthly Investment

   r  = Monthly Rate of Return (Annual Return / 12)

   n  = Total Number of Months (Years × 12)

 

 Example Calculation:

 

1.  Monthly Investment (P) : 1000 rupees

2.  Annual Rate of Return : 12% (Monthly Rate = 12% / 12 = 1% = 0.01)

3.  Total Number of Months (n) : 10 years × 12 months = 120 months


Is calculation ke anusaar, 10 saal ke baad aapke SIP investment ki value lagbhag  Rs. 2,32,300/- ho sakti hai.

 

     SIP Ke Fayde Aur Nuksaan

 

 Fayde:

 

1.  Regular Savings : SIP aapko disciplined way mein regular savings karne ka mauka deta hai.

2.  Compounding Benefits : Compounding ke madhyam se aapki investment samay ke sath badhti hai.

3.  Market Volatility Se Protection : Rupee cost averaging ke karan, SIP market ki volatility ke khilaf protection provide karta hai.

4.  Flexibility : Aap SIP amount ko badha ya kam kar sakte hain aur pause bhi kar sakte hain.

 

 Nuksaan:

 

1.  Market Risk : SIP bhi mutual funds ki tarah market risks ke prati sensitive hota hai.

2.  Fixed Returns : Expected returns guarantee nahi hote, aur actual returns vary kar sakte hain.

3.  Liquidity : SIP investments ko prematurely withdraw karne par kuch penalities lag sakti hain.

 

SIP Mein Investment Karne Ke Liye Tips

 

1.  Scheme Selection : Apni risk tolerance aur financial goals ke anusaar ek suitable mutual fund scheme chunin.

2.  Regular Monitoring : Apne SIP investments ko regular basis par monitor karte rahiye aur zarurat par scheme ko adjust kijiye.

3.  Financial Planning : SIP ke through apni long term financial goals ke liye planning karna avashyak hai.

 Conclusion:

SIP ek aisa investment vidhim hai jo aapko disciplined aur systematic way mein apni savings ko invest karne ka mauka deta hai. Agar aap har mahine 1000 rupees invest karte hain aur yeh investment 10 saalon tak chalti hai, toh aapko acche returns milne ki sambhavnayein hain. Hamesha apni personal financial goals aur risk tolerance ko dhyan mein rakhen aur apne investments ko regular basis par review karen.

 Yeh article aapko SIP ke basic concept aur ek practical example ke madhyam se samajhne mein madad karega. Apne financial decisions ko informed aur strategic banayein aur SIP ke faydon ka labh uthayein.


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