SIP Tips: 5000 SIP Why SIP of 15000 SIP in 30 years better than 10 years?

Last updated:February 18, 2025, 20:08 IST

SIP Tips: A monthly SIP of Rs 5000 makes Rs 83,11,991 in 30 years while SIP of Rs 15000 gives only Rs 28,42,066 in 10 years. Small SIPs are more beneficial for a long time.

Strong returns will be found here.

New Delhi‘What is money? Today is not tomorrow ‘,’ Money is the dirt of the hand ‘, you must have heard such things a lot. Even though the importance of money has been reduced in these idioms, it is known that if there is any one such thing in this world, then it is money. Therefore, it becomes very important that money should be made for the future not only for today. Because you will not even know when inflation will chew your savings.

One of the best ways to make money has an investment. Mutual funds associated with equity are considered far ahead in this case. They are safe and good returns. You put a fixed amount in a mutual fund through SIP every month and then over time it becomes a big amount through compound. But which SIP makes more money. SIP of long -lasting low amount or SIP of more amount lasting less time? Today we will talk about this. We will see whether the SIP of 5000 makes more money in 30 years or gives more returns of 15000 SIP in 10 years. Here we will consider the average annual return of both of us 8.5 percent.

5000 SIP
If you do a monthly SIP of Rs 5000 for 30 years, then the total amount deposited by you will be Rs 18,00,000. The estimated return on this will be Rs 65,11,991. The total amount collected from SIP will be Rs 83,11,991 with deposits and returns.

15000 SIP
Here too, your invested amount will be only Rs 18,00,000. But your return will fall to Rs 10,42,066. That is, the total amount raised by you will be Rs 28,42,066. You can see The SIP of 5000 rupees run for 30 years is giving you a profit of more than 65 lakh rupees, while the 15000 SIP which has lasted only 10 years is able to give you a return of about 10 lakh rupees. If you also make the 10 -year SIP double i.e. 30000 rupees, then it will not be able to beat SIP of 5000 rupees in 30 years. The amount raised by you in 30000 SIPs will be around 57 lakh rupees. Therefore, it is important that the SIP be started as soon as possible with the consultation of an investment advisor.