What if you do a 5% or 10% top-up SIP in the TATA Multicap Fund?

PersonalFN

An investor is a person who places money into a business or other investment options with the expectation of a financial return (profit). The primary objective of any investor should be to obtain the highest possible return while reducing their exposure to risk. A speculator, on the other hand, is someone who is willing to make an investment in a high-risk asset in the expectation of achieving a higher return on their investments.

Don't forget to think about them whenever you're ready to make a smart investment.

  • Time Horizon

The length of time one anticipates keeping an investment is known as the investment time horizon. Time horizons can be classified as short-term, medium-term, or long-term and can be specific if they are linked to a stated maturity. They are typically associated with particular investment objectives, strategies, and levels of anticipated return.

  • Risk Tolerance

An investor’s risk tolerance indicates the extent to which they can bear the potential negative effects of price fluctuations on their portfolio. The amount of risk an individual is willing to take is a significant factor in the decision-making process when it comes to investing, both in terms of the kinds of investments and the amount of money put into those investments.

  • Financial Goals

A financial goal is a measurable objective with respect to one’s financial situation that one hopes to accomplish. Financial goals include earning, saving, investing, and spending in proportions that match your short-term, medium-term, or long-term plans.

  • Liquidity

The efficiency or ease with which an asset or security can be converted into ready cash without affecting its market price is referred to as “liquidity.” Cash is always the most liquid asset when compared to other assets.

Let's Have A Look At The Various Types Of Investors Based On Their Risk Tolerance.

“Aggressive investors” are usually those who are willing to take on more risk in order to get a bigger possible reward.

Moderate investors seek growth at a reasonable risk of loss. These investors use a “balanced” strategy to weigh risks and rewards. 

Conservative investors prefer low to zero fluctuations in their investments. They are primarily interested in highly liquid and guaranteed vehicles.

GOAL BASED INVESTMENT PLANNING

Everyone has financial objectives that they need to accomplish in the short, medium, or long term. Goal-based investing is the process of making regular investments with the intention of eventually reaching a specific financial target.

A short-term goal could be something like saving enough money to buy a car within the next two to three years. Planning for retirement and your kids’ college expenses are both examples of what we call “long-term goals.”

 With the Goal-Based Investment Strategy, an investor specifies the target amount that he needs to achieve in the future in a specified duration.

  According to the data presented through charts below, there is a wide range of attainable financial goals, each of which needs a patience investor to keep making SIP payments (with and without top-up SIP) until the corresponding target amount has been achieved.

How To Reach Your Target Amount (with 0%, 5% and, 10% Annual Increase in SIP Investment)

TO ATTAIN THE AMOUNT OF ₹1 CRORE:

  • One needs to invest to the varying durations based on their SIP amounts. With ₹20,000 SIP, it will take 15 years with 0% top-up SIP, 13 years and 5 months with 5% annual top-up SIP, and just 12 years with 10% annual top-up SIP to reach the target amount of ₹1 crore.
  • With ₹30,000 SIP, it will take 12 years and 4 months with 0% top-up SIP, 11 years with 5% annual top-up SIP, and just 10 years with 10% annual top-up SIP to reach the target amount of ₹1 crore.

SIMILARLY, TO ATTAIN THE AMOUNT OF ₹5 CRORE:

  • One needs to invest to the varying durations based on their SIP amounts. With ₹20,000 SIP, it will take 27 years and 3 months with 0% top-up SIP, 24 years and 4 months with 5% annual top-up SIP, and just 21 years and 6 months with 10% annual top-up SIP to reach the target amount of ₹5 crore.
  • With ₹30,000 SIP, it will take 24 years with 0% top-up SIP, 21 years and 5 months with 5% annual top-up SIP, and just 18 years and 11 months with 10% annual top-up SIP to reach the target amount of ₹5 crore.

Investment in the TATA Multicap Fund will not only provide you with the benefit of a top-up SIP to reach your targeted amount according to the affordability of your pocket but also give you the benefit of exposure to various market caps through its investment in large-cap, mid-cap and, small-cap markets.

Invest in TATA Multicap Fund NFO now for just ₹10 per unit with Swaraj FinPro and enjoy the benefits of a top-up SIP in a multi-cap fund as well as an investment tour across various market caps. Contact Swaraj FinPro today!

We look forward to a new investment with you this year.

Regards,
Ajay Kumar Jain,
CMD
Swaraj FinPro Pvt. Ltd.
+919993025625   (Call or WhatsApp)

Mutual Fund Investments are subject to market risk, read all scheme related documents carefully.

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