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SIP for 1 Year
Investing wisely is crucial for securing your financial future, and a Systematic Investment Plan (SIP) for one year offers an excellent opportunity for short-term growth. A popular method of investing in mutual funds, SIPs allow you to invest small, regular amounts, making it a flexible and ...read more
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Qualified Policybazaar expert will assist you With a 1-year SIP plan, you can benefit from diversification, helping balance your portfolio to reduce risks while working towards your short-term financial goals. The ease of starting and stopping SIPs makes them adaptable to changing market conditions or personal financial needs.
What is a Systematic Investment Plan (SIP)?
SIP is a disciplined investment strategy that allows you to invest a fixed amount regularly in mutual funds, instead of making a lump-sum investment. By contributing small, consistent amounts, typically on a monthly basis, you can benefit from market fluctuations, potential long-term growth, and the power of compounding.
Best SIP to Invest for 1 Year
Here are some of the best SIP plans for 1 year based on the risk levels and potential returns —
| SIP Plans for 1 Year | Potential Risk | Expense Ratio (%) | Annualised Return (3 Yrs) |
|---|---|---|---|
| Kotak Bluechip Fund Direct Growth | Very High | 0.6 | 12.07% |
| Aditya Birla Sun Life Money Manager Fund | Moderate | 0.22 | 6.8% |
| Nippon India Pharma Fund-Growth | Very High Risk | 0.91 | 18.7% |
| HDFC Pharma And Healthcare Fund Direct - Growth | Very High | 0.91% | N/A |
| ICICI Prudential Pharma Healthcare and Diagnostics (P.H.D) Fund Direct-Growth | Very High | 1.09 | 23.6% |
| LIC MF Infrastructure Fund Direct - Growth | Very High | 1.06 | 28.1% |
| Invesco India - Invesco Global Consumer Trends FoF Fund Direct - Growth | Very High | 0.6 | 3.96% |
| Bandhan Small Cap Fund Direct - Growth | Very High | 0.4 | 25.14% |
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Overview of SIP Investment Plans for 1 Year
Here’s the overview of best SIP plans for 1 year —
1. Kotak Bluechip Fund Direct Growth
Type: Large Cap Fund
Investment Objective: The fund aims to generate capital appreciation by investing predominantly in equity and equity-related securities of large-cap companies across various sectors.
Investment Focus: Primarily invests in the top 100 companies with large market capitalisation.
Suitable For: Investors looking for long-term capital growth through stable, large-cap stocks.
Top Holdings:
- Reliance Industries Ltd.
- HDFC Bank Ltd.
- Infosys Ltd.
2. Aditya Birla Sun Life Money Manager Fund
Type: Money Market Fund
Investment Objective: To generate regular income through investments in short-term debt and money market instruments, while minimising interest rate risk.
Minimum SIP: Rs. 1,000
Suitability: Ideal for investors seeking safe, short-term investments with returns higher than traditional savings accounts.
3. Nippon India Pharma Fund-Growth
Type: Sectoral Fund (Pharma)
Investment Objective: To generate consistent returns by investing in equity and equity-related or fixed income securities of pharmaceutical and related companies.
Investment Focus: Invests in both domestic and international pharma sectors, focusing on growth opportunities in areas like Domestic Business, International, CRAMS, and deep value businesses.
Suitable For: Investors seeking long-term capital growth in the pharma sector.
Suitability: Ideal for those looking for the best SIP for 1 year.
4. HDFC Pharma And Healthcare Fund
Type: Sectoral Fund (Pharma & Healthcare)
Investment Objective: To generate long-term growth in capital through investment in equity and equity-related securities of companies in the pharma and healthcare sectors.
Top Holdings:
- Cipla Ltd.
- Divi's Laboratories Ltd.
- Sun Pharmaceutical Industries Ltd.
Suitable For: Investors looking for high growth in the pharma and healthcare sectors.
5. ICICI Prudential Pharma Healthcare and Diagnostics Fund Direct-Growth
Type: Sectoral Fund (Pharma, Healthcare, Diagnostics)
Investment Objective: To generate long-term capital growth through investment in equity and equity-related securities related to healthcare and allied companies.
Investment Focus: Invests in companies from the pharma, healthcare, diagnostics, and wellness sectors.
Minimum SIP: Rs. 100
Suitable For: Experienced investors seeking tactical, high-growth opportunities in healthcare-related sectors.
6. LIC MF Infrastructure Fund Direct - Growth
Type: Sectoral Fund (Infrastructure)
Investment Objective: To generate long-term growth by investing in companies engaged in the infrastructure sector.
Top Holdings:
- Garware Hi-Tech Films Ltd.
- Shakti Pumps (India) Ltd.
- REC Ltd.
Suitable For: Investors with a long-term horizon, seeking concentrated exposure to the infrastructure sector.
7. Invesco India - Invesco Global Consumer Trends FoF Fund Direct - Growth
Type: International Fund
Investment Focus: Invests in global consumer trends, including sectors like e-commerce, entertainment, internet services, autonomous driving, and active lifestyles.
Minimum SIP: Rs. 100
Top Holdings:
- Invesco Global Consumer Trends Fund A
Suitable For: Investors looking for long-term capital appreciation through global consumer-focused sectors.
8. Bandhan Small Cap Fund Direct - Growth
Type: Small Cap Fund
Investment Objective: To achieve long-term growth by primarily investing in small-cap companies.
Top Holdings:
- LT Foods Ltd.
- PCBL Ltd.
- The South Indian Bank Ltd.
Suitable For: Investors seeking wealth creation through small-cap stocks with a long-term investment horizon.
Who Should Look to Invest for 1 Year in SIP?
If you fall into any of the following categories, investing in the best SIPs for 1 year could be smart choice—
- Individuals with short-term financial goals, such as saving for a small purchase, vacation, or home renovation
- Those seeking a disciplined and systematic approach to saving and investing over a 1-year period
- Investors looking for an opportunity to grow savings through mutual funds while minimizing risk in the short term
- People who want flexibility in terms of investment amount and frequency for achieving financial objectives within a year
How to Start Investing in SIP?
Here’s how you can start investing in your 1 year SIP plan —
- Define Your Financial Goals: Know what you’re investing for, whether it’s a short-term goal or long-term wealth building.
- Assess Your Risk Profile: Understand your risk tolerance to choose the right mutual fund.
- Choose the Right SIP Plan: Research and select SIP plans with a strong track record of performance.
- Select Mutual Funds: Pick mutual funds that align with your goals and risk tolerance.
- Determine the SIP Amount: Decide how much you can comfortably invest each month.
- Complete KYC: Complete your Know Your Customer (KYC) process as required by regulations.
- Start Your SIP: Choose the frequency of your investment (monthly, quarterly, etc.).
- Monitor Your Investments: Regularly review the performance of your SIP and make adjustments as needed.
Frequently Asked Questions
1. Is a 1 year SIP plan suitable for first time investors?
Yes, 1-year SIPs can be a good choice for first-time investors as they offer a relatively low-risk way to get started with mutual fund investments. They allow investors to familiarise themselves with the process and market behaviour, without the need for a long-term commitment.
2. What are the risks in 1 Year of investing in SIP?
SIPs are exposed to market risks, meaning their value can fluctuate with market conditions. To manage these risks, it's important to regularly review and adjust your portfolio to stay on track with your financial goals.
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