SIP – A Unique Way of Investment System (Bengali)

SIP (Systematic Investment Plan), Invest āĻ•āϰāĻžāϰ āĻāĻ•āϟāĻž āϏāĻšāϜ āĻŦ⧈āĻœā§āĻžāĻžāύāĻŋāĻ• āĻĒāĻĻā§āϧāϤāĻŋ, SIP āϕ⧋āύ⧋ Product āύāϝāĻŧ, āĻāϟāĻž āĻāĻ•āϟāĻž System āĨ¤ āϏāĻšāϜ āĻ­āĻžāώāĻžāϝāĻŧ āϝ⧇āϕ⧋āύ⧋ Product āĻ āφāĻĒāύāĻŋ āϝ⧇āĻŽāύ āĻāĻ•āĻ•āĻžāϞ⧀āύ Invest āĻ•āϰāϤ⧇ āĻĒāĻžāϰ⧇āύ āĻ āĻŋāĻ• āϤ⧇āĻŽāύāĻŋ Installment Basis āĻāĻ“ Invest āĻ•āϰāϤ⧇ āĻĒāĻžāϰ⧇āύāĨ¤ āĻāχ Installment Basis āĻ Recurring Way āϤ⧇ Invest āĻ•āϰāĻžāϰ āĻĒāĻĻā§āϧāϤāĻŋ āϟāĻžāχ āĻšāϞ⧋ SIPāĨ¤ Bank āĻŦāĻž Post Office āĻ āϝ⧇āĻŽāύ Recurring Deposit Scheme āĻ•āϰāĻž āĻšāϝāĻŧ āϐ āϰāĻ•āĻŽāχ SIP āĻšāϞ⧋ āĻŽāĻžāϏ⧇ āĻŽāĻžāϏ⧇ Invest āĻ•āϰāĻžāϰ āĻāĻ•āϟāĻž āĻĒāĻĻā§āϧāϤāĻŋāĨ¤ SIP āĻŽāĻžāύ⧇ Mutual Fund āύ⧟āĨ¤

SIP āϰ āĻŽāĻžāĻ§ā§āϝāĻŽā§‡ Investment āĻāϰ āϏāĻŦāĻĨ⧇āϕ⧇ āĻŦāĻĄāĻŧ āϏ⧁āĻŦāĻŋāϧāĻž āĻšāϞ⧋ āĻāχ āĻĒāϧāϤāĻŋāϤ⧇ āφāĻĒāύāĻžāϕ⧇ āĻāĻ•āϏāĻ™ā§āϗ⧇ āĻ…āύ⧇āĻ• āϟāĻžāĻ•āĻž Invest āĻ•āϰāϤ⧇ āĻšāϝāĻŧ āύāĻžāĨ¤ āĻŽāĻžāϏ⧇ āĻŽāĻžāĻ¤ā§āϰ 1,000 āϟāĻžāĻ•āĻž āĻ•āϰ⧇āĻ“ āφāĻĒāύāĻŋ Invest āĻ•āϰāϤ⧇ āĻĒāĻžāϰ⧇āύāĨ¤ āϝ⧇āĻŽāύ, āϧāϰāĻž āϝāĻžāĻ• āϕ⧋āύ⧋ āĻŦā§āϝāĻ•ā§āϤāĻŋāϰ Monthly Income 30,000 āϟāĻžāĻ•āĻž, āĻāĻŦāĻžāϰ āϤāĻŋāύāĻŋ Just āϐ āϟāĻžāĻ•āĻž āĻĨ⧇āϕ⧇ āĻŽāĻžāĻ¤ā§āϰ āĻŽāĻžāϏ⧇ 2,000 āϟāĻžāĻ•āĻž āĻ•āϰ⧇ Invest āĻ•āϰāĻŦ⧇āύ āĻŦāϞ⧇ āĻ¸ā§āĻšāĻŋāϰ āĻ•āϰāϞ⧇āύāĨ¤ āĻāϟāĻžāĻ“ āĻ•āϰāĻž āϝāĻžāϝāĻŧāĨ¤ āφāĻĒāύāĻžāϰ Bank āĻĨ⧇āϕ⧇, āφāĻĒāύāĻžāϰ āύāĻŋāĻ°ā§āĻĻāĻŋāĻˇā§āϟ āĻ•āϰ⧇ āĻĻ⧇āĻ“āϝāĻŧāĻž Date āĻ ECS āĻāϰ āĻŽāĻžāĻ§ā§āϝāĻŽā§‡ Invest āϟāĻŋ Automatic āĻšāϝāĻŧ⧇ āϝāĻžāĻŦ⧇āĨ¤ āφāĻĒāύāĻžāϕ⧇ Premium āϜāĻŽāĻž āĻ•āϰāĻžāϰ āĻŽāϤ āϕ⧋āĻĨāĻžāĻ“ āϝ⧇āϤ⧇āĻ“ āϝ⧇āĻŽāύ āĻšāĻŦ⧇ āύāĻž āϤ⧇āĻŽāύāĻŋ āĻ•āĻžāωāϕ⧇ āϤ⧋āώāĻžāĻŽā§‹āĻĻ āĻ“ āĻ•āϰāϤ⧇ āĻšāĻŦ⧇ āύāĻžāĨ¤

SIP System āĻ āĻ•āϤ āĻŽāĻžāϏ āĻŦāĻž āĻ•āϤ āĻŦāĻ›āϰ Invest āĻ•āϰāϤ⧇ āĻšāĻŦ⧇ āϤāĻžāϰ āϕ⧋āύ⧋ āϧāϰāĻž āĻŦāĻžāϧāĻž āύāĻŋāϝāĻŧāĻŽ āύ⧇āχāĨ¤ āϧāϰ⧁āύ āϐ āĻŦā§āϝāĻ•ā§āϤāĻŋ āϭ⧇āĻŦ⧇ āĻ›āĻŋāϞ⧇āύ āĻŽāĻžāϏ⧇ 2,000 āϟāĻžāĻ•āĻž āĻ•āϰ⧇ 10 āĻŦāĻ›āϰ āĻĻ⧇āĻŦ⧇āύ, āĻāĻŦāĻžāϰ āĻ•āϝāĻŧ⧇āĻ• āĻŽāĻžāϏ āϚāĻžāϞāĻžāύ⧋āϰ āĻĒāϰ āωāύāĻŋ āĻŦ⧁āĻāϞ⧇āύ āύāĻž āĻāϟāĻž āĻ•āϰāĻž āϭ⧁āϞ āĻšāϝāĻŧ⧇ āϗ⧇āϛ⧇ āύāĻž āĻ•āϰāϞ⧇āχ āĻ­āĻžāϞ⧋ āĻšāϤ⧋āĨ¤ āϕ⧋āύ⧋ āĻ…āϏ⧁āĻŦāĻŋāϧāĻž āύ⧇āχ āĻāĻ•āϟāĻž āϏāĻžāĻĻāĻž āĻ•āĻ—āĻœā§‡ āϚāĻŋāĻ āĻŋ āϞāĻŋāϖ⧇āχ āφāĻĒāύāĻŋ Invest āĻ•āϰāĻžāϰ āϐ ECS System āϟāĻŋ āĻŦāĻ¨ā§āϧ āĻ•āϰ⧇ āĻĻāĻŋāϤ⧇ āĻĒāĻžāϰ⧇āύāĨ¤ āĻŦāĻž āφāĻĒāύāĻŋ āϝ⧇ Mutual Fund Ditributor āĻāϰ Guidence āĻ SIP āϟāĻž Start āĻ•āϰ⧇āϛ⧇āύ āϤāĻŋāύāĻŋ āϝāĻĻāĻŋ āφāĻĒāύāĻžāϕ⧇ Online āĻ āĻāχ SIP āϟāĻž āĻ•āϰ⧇ āĻĻāĻŋā§Ÿā§‡ āĻĨāĻžāϕ⧇āύ āϤāĻžāĻšāϞ⧇ āĻ“āχ SIP āĻŦāĻ¨ā§āϧ āĻ•āϰāĻžāϟāĻž Just āĻāĻ•āϟāĻž Phone Call āĻŦāĻž āφāĻĒāύāĻŋ āύāĻŋāĻœā§‡āϰ Online System āϜāĻžāύāĻž āĻĨāĻžāĻ•āϞ⧇ āύāĻŋāĻœā§‡āχ āĻŦāĻ¨ā§āϧ āĻ•āϰ⧇ āĻĻāĻŋāϤ⧇ āĻĒāĻžāϰāĻŦ⧇āύāĨ¤Â  āĻšā§āϝāĻžāρ, āĻāϤāϟāĻžāχ āϏ⧋āϜāĻžāĨ¤ āĻāĻŦāĻžāϰ āĻ­āĻžāĻŦ⧁āύ, āφāĻĒāύāĻŋ Bank āĻŦāĻž Post Office āĻ āĻšā§ŸāϤ āϕ⧋āύāĻ“ Recuring āĻ•āϰ⧇āĻ›āĻŋāϞ⧇āύ, āĻāĻŦāĻžāϰ āϕ⧋āύāĻ“ āĻ•āĻžāϰāύ⧇ āĻšā§ŸāϤ āϏ⧇āϟāĻžāϕ⧇ āĻāĻ–āύ Stop āĻ•āϰāϤ⧇ āϚāĻžāύ āĻāϤ āϏāĻšāĻœā§‡ āĻ•āĻŋ Stop āĻ•āϰāϤ⧇ āĻĒāĻžāϰāĻŦ⧇āύ?

āĻāχ Covid Situation āĻ āĻ…āύ⧇āĻ• āĻŽāĻžāύ⧁āώ⧇āϰ Income āĻšā§Ÿ āĻ•āĻŽā§‡ āĻ—āĻŋā§Ÿā§‡āĻ›āĻŋāϞ āĻŦāĻž āϚāϞ⧇ āĻ—āĻŋā§Ÿā§‡ āĻ›āĻŋāϞ āĨ¤ āϏ⧇āχ āϏāĻŽā§Ÿ āφāĻŦāĻžāϰ āĻ“āχ Bank āĻŦāĻž Post Office āϝ⧇āĻ–āĻžāύ⧇ āĻ“āχ Recuring Scheme āĻ•āϰāĻž āĻ›āĻŋāϞ āϏ⧇āĻ–āĻžāύ⧇ āϝāĻžāĻ“ā§ŸāĻžāĻ“ āϝāĻžāĻšā§āĻ›āĻŋāϞ āύāĻžāĨ¤ āĻ…āĻĨāϚ āϝāĻžāĻĻ⧇āϰ Mutual Fund āĻ āφāĻŽāĻžāĻĻ⧇āϰ ‘roys Finance’ āĻāϰ āĻ•āĻžāϛ⧇ SIP āĻ•āϰāĻž āĻ›āĻŋāϞ āϤāĻžāĻĻ⧇āϰ āĻ“āχ SIP āĻŦāĻ¨ā§āϧ āĻ•āϰāĻžāϰ āϜāĻ¨ā§āϝ āφāĻŽāĻžāĻĻ⧇āϰ Office āĻ āφāĻ¸ā§āϤ⧇ āĻšā§ŸāύāĻŋ āĻŦāĻž āφāĻŽāĻžāĻĻ⧇āϰ āĻ•āĻžāωāϕ⧇ āϤāĻžāĻĻ⧇āϰ āĻ•āĻžāϛ⧇āĻ“ āϝ⧇āϤ⧇ āĻšā§Ÿ āύāĻŋāĨ¤ āĻāĻ•āϟāĻž Phone āĻ•āϰ⧇ āϜāĻžāύāĻžāϤ⧇āχ āϏāĻ™ā§āϗ⧇ āϏāĻ™ā§āϗ⧇ āφāĻŽāϰāĻž āϤāĻžāĻĻ⧇āϰ SIP Stop āĻ•āϰ⧇ āĻĻāĻŋā§Ÿā§‡āĻ›āĻŋāϞāĻžāĻŽāĨ¤ āφāĻŦāĻžāϰ āϤāĻžāĻĻ⧇āϰ āϝāĻ–āύ āϏāĻŦ āĻ•āĻŋāϛ⧁ Normal āĻšā§Ÿā§‡ āϝāĻžā§Ÿ āϤāĻ–āύ āφāĻŦāĻžāϰ āϤāĻžāϰāĻž āϝāĻ–āύ āĻŦāϞ⧇āύ āϝ⧇ āϤāĻžāĻĻ⧇āϰ SIP āϚāĻžāϞ⧁ āĻ•āϰ⧇ āĻĻāĻŋāϤ⧇, āϤāĻ–āύ āφāĻŦāĻžāϰ āĻ“āχ āĻāĻ•āχ Fund āĻ āϚāĻžāϞ⧁āĻ“ āĻšā§Ÿā§‡ āϝāĻžā§ŸāĨ¤

āφāĻŦāĻžāϰ āĻ…āύ⧇āĻ• Situation āĻ āĻ…āύ⧇āϕ⧇ āϚāĻžāύ āϝ⧇ āϤāĻžāĻĻ⧇āϰ āĻ“āχ Bank āĻĨ⧇āϕ⧇ āϝ⧇ ECS āϟāĻž āĻ•āĻžāϟāĻž āĻšā§Ÿ āϏ⧇āϟāĻžāϕ⧇ āϤāĻžāϰāĻž āϕ⧋āύāĻ“ Temporary āĻ•āĻžāϰāύ⧇ (āϝ⧇āĻŽāύ āĻšā§ŸāϤ āĻ•āĻĨāĻžāĻ“ āĻŦā§‡ā§œāĻžāϤ⧇ āϝāĻžāĻ“ā§ŸāĻžāϰ āφāϛ⧇ āĻāĻ•āϟ⧁ āĻŦ⧇āĻļāĻŋ āĻ–āϰāϚ āφāϛ⧇, āĻŦāĻž āϕ⧋āύāĻ“ Unplanned āĻ•āĻŋāϛ⧁ Requirement āĻāϏ⧇ āϗ⧇āϛ⧇ āχāĻ¤ā§āϝāĻžāĻĻāĻŋ) āϤāĻžāĻĻ⧇āϰ SIP āϟāĻžāϕ⧇ āĻŦāĻ¨ā§āϧ āύāĻž āĻ•āϰ⧇ āϤāĻžāϰāĻž āĻ•ā§Ÿā§‡āĻ• āĻŽāĻžāϏ⧇āϰ āϜāĻ¨ā§āϝ Pause āĻ•āϰ⧇ āϰāĻžāĻ–āϤ⧇ āϚāĻžāύ, āĻšā§āϝāĻžāρ āϤāĻžāĻ“ āϏāĻŽā§āĻ­āĻŦāĨ¤ āĻ­āĻžāĻŦāϤ⧇ āĻĒāĻžāϰ⧇āύ, āϕ⧋āύāĻ“ āϰāĻ•āĻŽ āϕ⧋āύāĻ“ Extra Charge āĻ›āĻžā§œāĻž āφāϰ āϕ⧋āύāĻ“ Investment Avenue āϤ⧇ āĻ•āĻŋ āĻāϗ⧁āϞ⧋ āĻ•āϰāĻž āϏāĻŽā§āĻ­āĻŦ?

āĻāĻŦāĻžāϰ āϤāĻžāĻšāϞ⧇ āĻ¸ā§āĻŦāĻžāĻ­āĻžāĻŦāĻŋāĻ• āĻ­āĻžāĻŦ⧇āχ āĻĒā§āϰāĻļā§āύ āφāϏ⧇ āϝ⧇ āϝāĻĻāĻŋ SIP āϟāĻž āĻŦāĻ¨ā§āϧ āĻ•āϰāĻžāχ āĻšā§Ÿ āϤāĻžāĻšāϞ⧇ āϝ⧇ āϟāĻžāĻ•āϟāĻž āĻ“āχ Fund āĻ āϜāĻŽā§‡āϛ⧇ āϏ⧇āϟāĻžāϰ āĻ•āĻŋ āĻšāĻŦ⧇? āϕ⧋āύ⧋ āϚāĻŋāĻ¨ā§āϤāĻž āύ⧇āχ, āϚāĻžāχāϞ⧇ āφāĻĒāύāĻŋ āĻŦāĻ¨ā§āϧ āĻ•āϰāĻžāϰ āϏāĻ™ā§āϗ⧇ āϏāĻ™ā§āϗ⧇ āĻ¤ā§ŽāĻ–āύāĻžāϤ āφāĻĒāύāĻŋ āϝāĻž āϟāĻžāĻ•āĻž āϜāĻŽāĻž āφāϛ⧇ āϏ⧇āϟāĻž āϤ⧁āϞ⧇āĻ“ āύāĻŋāϤ⧇ āĻĒāĻžāϰ⧇āύ, āϚāĻžāχāϞ⧇ āĻ•āĻŋāϛ⧁āϟāĻž āϤ⧁āϞāϤ⧇ āĻĒāĻžāϰ⧇āύ āφāϰ āĻŦāĻžāĻ•āĻŋāϟāĻž āĻ“āχ Fund āĻāχ āϰ⧇āϖ⧇ āĻĻāĻŋā§Ÿā§‡ Grow āĻ•āϰāĻžāϤ⧇ āĻĒāĻžāϰ⧇āύ, āφāĻŦāĻžāϰ āϚāĻžāχāϞ⧇ āϜāĻŽāĻž āĻ•āϰāĻžāϟāĻž āĻŦāĻ¨ā§āϧ āĻ•āϰ⧇ āĻĻāĻŋāϞ⧇āύ āĻ āĻŋāĻ•āχ āĻ•āĻŋāĻ¨ā§āϤ⧁ Invest āĻšāϝāĻŧ⧇ āϝāĻžāĻ“āϝāĻŧāĻž āϟāĻžāĻ•āĻžāϟāĻž āϰ⧇āϖ⧇ āĻĻāĻŋāϞ⧇āύ, āĻĒāϰ⧇ āϝāĻ–āύ āĻĒā§āϰāϝāĻŧā§‹āϜāύ āĻšāĻŦ⧇ āϤāĻ–āύ āύ⧇āĻŦ⧇āύ āĻŦāϞ⧇āĨ¤ āĻšā§āϝāĻžāρ, āĻāĻ–āĻžāύ⧇ āϏāĻŦāχ āϏāĻŽā§āĻ­āĻŦāĨ¤

āĻāχ āĻĒāĻ°ā§āĻ¯ā§āϝāĻ¨ā§āϤ āĻĒāĻĄāĻŧāĻžāϰ āĻĒāϰ āϏāĻ•āϞāϕ⧇ āĻāĻ•āĻŦāĻžāϰ āĻ­āĻžāĻŦāϤ⧇ āĻ…āύ⧁āϰ⧋āϧ āĻ•āϰāĻŦā§‹, āφāĻĒāύāĻžāϰ āϜāĻžāύāĻž āφāϰ āϕ⧋āύ⧋ Investment System āĻ āĻ•āĻŋ āφāĻĒāύāĻŋ āĻāχ āϏ⧁āĻŦāĻŋāϧāĻžāϗ⧁āϞ⧋ āĻĒ⧇āϤ⧇ āĻĒāĻžāϰāĻŦ⧇āύ? Insurance āĻ āĻ•āϤāϟāĻžāĻ•āĻž āφāĻĒāύāĻžāϕ⧇ āĻĻāĻŋāϤ⧇ āĻšāĻŦ⧇ āϤāĻž āĻ āĻŋāĻ• āĻ•āϰāĻŦ⧇ Insurance Company, āĻāĻ–āĻžāύ⧇ āφāĻĒāύāĻŋ āϝāĻž āĻĻ⧇āĻŦ⧇āύ āĻ“āϟāĻžāχ āφāĻĒāύāĻžāϰ InvestmentāĨ¤ Bank, Post Office āĻŦāĻž Insurance āĻŦāĻž āϝ⧇āĻ–āĻžāύ⧇āχ āĻšā§‹āĻ• āύāĻž āϕ⧇āύ⧋ āφāĻĒāύāĻŋ āϝāϤāĻŦāĻ›āϰ Invest āĻ•āϰāĻŦāĻžāϰ Commitment āĻ•āϰ⧇āĻ›āĻŋāϞ⧇āύ āϤāĻž āύāĻž āĻ•āϰāϞ⧇ āφāĻĒāύāĻžāϰ Loss āĻšāĻŦ⧇, āφāϗ⧇ āϤ⧁āϞāϞ⧇ āĻĒā§āϰāϚ⧁āϰ Penalty āĻ•āĻžāϟāĻž āϝāĻžāĻŦ⧇, āϤāĻžāχ āύāĻž? āĻāĻ–āĻžāύ⧇ āĻāϏāĻŦ āϕ⧋āύ⧋ āĻāĻžāĻŽā§‡āϞāĻžāχ āύ⧇āχāĨ¤ āϝ⧇āϕ⧋āύ⧋ Conventional Investment Avenue āϟāĻž āĻ•āĻŋ āĻāϤ āϏ⧁āĻŦāĻŋāϧāĻž āĻĒāĻžāĻ“ā§ŸāĻž āϏāĻŽā§āĻ­āĻŦ?

Force Savings āĻāĻŦāĻ‚ Investment āĻāϰ āĻāĻ•āϟāĻž Discipline Maintain āĻ•āϰāĻžāϰ āϜāĻ¨ā§āϝ āĻāϰ āĻĨ⧇āϕ⧇ āĻ­āĻžāϞ⧋ āĻĒāĻĻā§āϧāϤāĻŋ āφāϰ āĻ•āĻŋāϛ⧁ āĻšāϤ⧇āχ āĻĒāĻžāϰ⧇ āύāĻžāĨ¤ āφāĻŽāĻŋ āĻ…āύ⧇āĻ•āϕ⧇ āĻŦāϞāϤ⧇ āĻļ⧁āύ⧇āĻ›āĻŋ “āϤāĻ–āύ 5,000 āϟāĻžāĻ•āĻž āĻ•āϰ⧇ āĻŽāĻžāϏ⧇ SIP āĻ•āϰ⧇ āĻĢ⧇āϞ⧇ āĻ­āĻžāĻŦāĻ›āĻŋāϞāĻžāĻŽ āĻ•āĻŋ āĻ•āϰ⧇ āϚāĻžāϞāĻžāĻŦā§‹, āĻāĻ–āύ āĻ­āĻžāĻŦāĻ›āĻŋ āĻ āĻŋāĻ•āχ āϤ⧋ āϚāϞ⧇ āϗ⧇āϞ⧋, āĻŦāϰāĻ‚ āĻ­āĻžāĻŦāĻ›āĻŋ āĻ­āĻžāĻ—ā§āϝāĻŋāϏ āĻ•āϰ⧇āĻ›āĻŋāϞāĻžāĻŽ!” āĻāĻŦāĻžāϰ āϧāϰ⧁āύ āφāĻĒāύāĻŋ āĻŽāĻžāϏ⧇ 5,000 āϟāĻžāĻ•āĻž āĻ•āϰ⧇ āĻĻ⧇āĻŦ⧇āύ āĻŦāϞ⧇ āϭ⧇āĻŦ⧇ āĻļ⧁āϰ⧁ āĻ•āϰ⧇āĻ›āĻŋāϞ⧇āύ, āĻāĻŦāĻžāϰ āĻ•āϝāĻŧ⧇āĻ• āĻŽāĻžāϏ āϚāĻžāϞāĻžāύ⧋āϰ āĻĒāϰ⧇ āφāĻĒāύāĻŋ āĻŦ⧁āĻāϞ⧇āύ āϝ⧇ āĻāχ āĻĒā§āϰāϤāĻŋ āĻŽāĻžāϏ⧇ 5,000 āϟāĻžāĻ•āĻž āĻ•āϰ⧇ āύāĻž āĻ•āϰ⧇ āϝāĻĻāĻŋ āĻ“āϟāĻž 3,000 āϟāĻžāĻ•āĻž āĻ•āϰ⧇ āĻšāϤ āϤāĻžāĻšāϞ⧇ āφāĻĒāύāĻžāϰ āĻĒāĻ–ā§āϝ⧇ āϏ⧁āĻŦāĻŋāϧāĻž āĻšāϤāĨ¤ āφāĻĒāύāĻŋ āϝ⧇āϕ⧋āύ⧋ āϏāĻŽāϝāĻŧ āĻāχ SIP āĻ•āĻŽāĻžāϤ⧇ āĻāĻŦāĻ‚ āφāĻŦāĻžāϰ āĻāĻ•āχ āĻ­āĻžāϭ⧇ āĻŦāĻžāĻĄāĻŧāĻžāϤ⧇āĻ“ āĻĒāĻžāϰāĻŦ⧇āύāĨ¤ āĻāĻ•āĻ•āĻĨāĻžā§Ÿ, āϝāĻž āĻ…āĻ¨ā§āϝ āϕ⧋āύāĻ“ Conventional Investment Avenue āϤ⧇ āφāĻĒāύāĻŋ āĻ•āϰāϤ⧇ āĻĒāĻžāϰāĻŦ⧇āύ āύāĻž āϏ⧇āϗ⧁āϞ⧋ āĻāĻšāĻžāύ⧇ āϖ⧁āĻŦ āϏāĻšāĻœā§‡āχ āĻ•āϰāϤ⧇ āĻĒāĻžāϰāĻŦ⧇āύāĨ¤

āĻāĻŦāĻžāϰ āĻāĻ•āϟ⧁ Technical āĻ•āĻĨāĻžāϝāĻŧ āφāϏāĻŋāĨ¤ āϝāĻĻāĻŋ āϕ⧇āω Equity Market Linked Fund āĻ Mutual Fund āĻ Invest āĻ•āϰāĻŦ⧇āύ āĻŦāϞ⧇ āĻ­āĻžāĻŦāϛ⧇āύ āĻ•āĻŋāĻ¨ā§āϤ⧁ Risk āύāĻŋāϤ⧇ āĻ­āϝāĻŧ āĻ–āĻžāĻšā§āϛ⧇āύ, āϤāĻžāĻšāϞ⧇ āϤāĻŋāύāĻŋ āĻāχ SIP āĻĒāĻĻā§āϧāϤāĻŋāϰ āϏāĻžāĻšāĻžāĻ¯ā§āϝ āύāĻŋāϤ⧇āχ āĻĒāĻžāϰ⧇āύāĨ¤ āĻāϤ⧇ Risk āĻ…āύ⧇āĻ•āϟāĻžāχ Minimize āĻšāϝāĻŧ⧇ āϝāĻžāϝāĻŧāĨ¤ āĻ…āύ⧇āϕ⧇ āφāĻŦāĻžāϰ Market āĻŦ⧇āĻļāĻŋ āωāĻĒāϰ⧇āϰ āĻĻāĻŋāϕ⧇ āφāϛ⧇ āĻŦāĻž āĻ…āύ⧇āĻ• āύ⧀āĻšā§‡āϝāĻŧ āφāϛ⧇ āĻŦāϞ⧇ Invest āĻāĻ–āύ āĻ•āϰāĻŦ⧇āύ āĻ•āĻŋ āύāĻž āĻ­āĻžāĻŦ⧇āύāĨ¤ SIP System āĻ āĻāϏāĻŦ āĻ­āĻžāĻŦāύāĻžāϰ āϕ⧋āύ⧋ āĻĒā§āϰāϝāĻŧā§‹āϜāύāχ āύ⧇āχāĨ¤ āĻ•āĻŋ āĻ­āĻžāĻŦ⧇ āĻŦāϞāĻ›āĻŋāĨ¤

āωāĻĒāϰ⧇āϰ āĻāχ Chart āϟāĻž āĻĨ⧇āϕ⧇ āĻŦ⧁āĻāϤ⧇ āĻĒāĻžāϰāĻŦ⧇āύ SIP System āϟāĻž Investment āϜāĻ¨ā§āϝ āĻ•āϤāϟāĻž āωāĻĒāϝ⧋āĻ—ā§€āĨ¤ āϝāĻžāĻĻ⧇āϰ Equity Market āϏāĻŽā§āĻŦāĻ¨ā§āϧ⧇ āϝāĻĨāĻžāϝāĻĨ āϧāĻžāϰāύāĻž āύ⧇āχ āϤāĻžāĻĻ⧇āϰ āϜāĻ¨ā§āϝ āĻŦāϞāĻ›āĻŋ, Equity Market Short Time āĻ āϝ⧇āĻŽāύ āĻŦāĻžāĻĄāĻŧ⧇ āφāĻŦāĻžāϰ āĻŽāĻžāĻā§‡ āĻŽāĻ§ā§āϝ⧇ āĻ•āĻŽā§‡āĻ“āĨ¤ āĻāχ āĻ•āĻŽāĻž āĻŦāĻžāĻĄāĻŧāĻž āĻ•āϰāϤ⧇ āĻ•āϰāϤ⧇āχ Long Term āĻ Ultimate āωāĻĒāϰ⧇āϰ āĻĻāĻŋāϕ⧇āχ āϝāĻžāϝāĻŧāĨ¤ āĻ•āĻŋāĻ¨ā§āϤ⧁ āĻāχ āĻ•āĻŽāĻžāĻŦāĻžāĻĄāĻŧāĻžāϟāĻžāϕ⧇āχ (Volatility) āϏāĻžāϧāĻžāϰāύ Investor āϰāĻž āĻ­āϝāĻŧāĻ–āĻžāύāĨ¤ āĻ…āĻĨāϚ SIP System āĻ āϐ āĻŦāĻžāĻĄāĻŧāĻž āĻ•āĻŽāĻžāϟāĻžāχ Return āϤ⧈āϰ⧀ āĻ•āϰ⧇āĨ¤ āωāĻĒāϰ⧇āϰ Example āϟāĻžāϤ⧇ āϝāĻĻāĻŋ āϕ⧋āύ⧋ āĻŦā§āϝāĻ•ā§āϤāĻŋ āĻĒā§āϰāĻĨāĻŽ āĻŽāĻžāϏ⧇āχ āϏāĻŽāĻ¸ā§āϤ āĻ…āĻ°ā§āĻĨāĻžā§Ž 24,000 āϟāĻžāĻ•āĻžāϟāĻŋāχ Invest āĻ•āϰ⧇ āĻĻāĻŋāϤ⧇āύ āϤāĻžāĻšāϞ⧇ 1 āĻŦāĻ›āϰāĻĒāϰ āϤāĻžāϰ Value āĻĻāĻžāρāĻĄāĻŧāĻžāϤ⧋ 33,600 āϟāĻžāĻ•āĻž, āϏ⧇āĻ–āĻžāύ⧇ āĻŽāĻžāϏ⧇ āĻŽāĻžāϏ⧇ āĻŽāĻžāĻ¤ā§āϰ 2,000 āϟāĻžāĻ•āĻž āĻ•āϰ⧇ Invest āĻ•āϰāϞ⧇ āϤāĻž āĻšāϤ⧇ āĻĒāĻžāϰ⧇ 44,100 āϟāĻžāĻ•āĻžāĨ¤

SIP System āĻ āϤāĻŋāύāĻŋ āĻĒā§āϰāĻ¤ā§āϝ⧇āĻ• āĻŽāĻžāϏ⧇āχ 2,000 āϟāĻžāĻ•āĻž āĻ•āϰ⧇ āĻĻāĻŋāϝāĻŧ⧇ āϗ⧇āϛ⧇āύāĨ¤ NAV āĻŽāĻžāύ⧇ āĻšāϞ Purchase Price āĻŦāĻž āϕ⧇āύāĻž āĻĻāĻžāĻŽāĨ¤ āϤāĻžāĻšāϞ⧇ āϞāĻ•ā§āĻˇā§āϝ āĻ•āϰāϞ⧇ āĻĻ⧇āĻ–āĻŦ⧇āύ āĻĻāĻžāĻŽ āϝāĻ–āύ āĻ•āĻŽāϛ⧇ āϤāĻ–āύ SIP āϤ⧇ āϝāĻŋāύāĻŋ Invest āĻ•āϰ⧇āϛ⧇āύ āϤāĻŋāύāĻŋ āĻ‰ā§ŽāĻĢ⧁āĻ˛ā§āϞ āĻšāĻšā§āϛ⧇āύ āĻ•āĻžāϰāύ āϤāĻŋāύāĻŋ āĻ…āύ⧇āĻ• āĻŦ⧇āĻļāĻŋ Unit āĻāĻ•āχ āϟāĻžāĻ•āĻž āĻŦā§āϝāϝāĻŧ āĻ•āϰ⧇ āĻ•āĻŋāύāϤ⧇ āĻĒāĻžāϰāϛ⧇āύāĨ¤ āϝ⧇āĻŽāύ 10 āϟāĻžāĻ•āĻž āĻĨ⧇āϕ⧇ āĻĻāĻžāĻŽ āĻ•āĻŽā§‡ 5 āϟāĻžāĻ•āĻž āĻšāĻ“āϝāĻŧāĻžāϝāĻŧ Unit āϕ⧇āύāĻž 200 āĻĨ⧇āϕ⧇ āĻŦ⧇āĻĄāĻŧ⧇ āĻšāϝāĻŧ⧇āϛ⧇ 400, āĻāχ āĻ­āĻžāĻŦ⧇ āĻĻāĻžāĻŽ 4 āϟāĻžāĻ•āĻž āύ⧇āĻŽā§‡ āϝāĻžāĻ“āϝāĻŧāĻžāϝāĻŧ Unit āϕ⧇āύāĻž āĻŦ⧇āĻĄāĻŧ⧇ āĻšāϝāĻŧ⧇āϛ⧇ 500 āχāĻ¤ā§āϝāĻžāĻĻāĻŋāĨ¤ āĻāĻ•āĻŦāĻžāϰ āĻ­āĻžāĻŦ⧁āύ āϝāĻŋāύāĻŋ āϝāĻŋāύāĻŋ āĻāĻ•āĻ•āĻžāϞ⧀āύ āϐ 24,000 āϟāĻžāĻ•āĻž Invest āĻ•āϰ⧇āĻ›āĻŋāϞ⧇āύ āϤāĻŋāύāĻŋ Fund Value āĻāχ āϏāĻŽāϝāĻŧ⧇ āĻĻ⧇āĻ–āϤ⧇ āĻĒāĻŦ⧇āύ āĻ…āĻ°ā§āϧ⧇āĻ• āĻŦāĻž āϤāĻžāϰ⧋ āĻ•āĻŽāĨ¤ āĻ•āĻŋāĻ¨ā§āϤ⧁ āĻāĻ•āϟāĻž āϏāĻŽāϝāĻŧ⧇āϰ āĻĒāϰ āϤāĻŋāύāĻŋ 33,600 āĻŦāĻž āϤāĻžāϰ āĻŦ⧇āĻļāĻŋāĻ“ āĻĻ⧇āĻ–āĻŦ⧇āύāĨ¤ SIP āĻ•āĻŋ āĻ­āĻžāĻŦ⧇ Risk āϟāĻžāϕ⧇āχ Advantage āĻ āĻĒāϰāĻŋāύāϤ āĻ•āϰ⧇ āφāĻļāĻžāĻ•āϰāĻŋ āĻŦā§‹āĻāĻžāϤ⧇ āĻĒ⧇āϰ⧇āĻ›āĻŋāĨ¤

āωāĻĒāϰ⧇āϰ āĻ›āĻŦāĻŋāϟāĻž āĻĻāĻŋāϝāĻŧ⧇ āφāĻŽāĻŋ āĻŦā§‹āĻāĻžāϤ⧇ āϚāĻžāχāĻ›āĻŋ Equity Market āĻāϰ āϚāϞāĻžāϰ āĻ­āĻ™ā§āĻ—ā§€āĻŽāĻžāϟāĻžāĨ¤ āĻāĻŦāĻžāϰ āφāĻĒāύāĻŋ āφāĻŽāĻŋ āϕ⧇āωāχ āϤ⧋ āϜāĻžāύāĻŋ āύāĻž āϝ⧇ āφāĻŽāϰāĻž āϝāĻ–āύ Invest āĻ•āϰāĻ›āĻŋ āϤāĻžāϰāĻĒāϰ Market āĻŦāĻžāĻĄāĻŧāĻŦ⧇ āύāĻž āĻ•āĻŽāĻŦ⧇? āφāĻŽāĻžāϰ āĻŽāύ⧇ āĻšāϝāĻŧ āĻĒ⧃āĻĨāĻŋāĻŦā§€āϰ āϕ⧇āωāχ āϜāĻžāύ⧇āύ āύāĻžāĨ¤ SIP System āĻ Invest āĻ•āϰāϞ⧇ Market āϝ⧇ āĻĻāĻŋāϕ⧇āχ Move āĻ•āϰ⧁āĻ• āφāĻĒāύāĻŋ āϞāĻžāĻ­āĻŦāĻžāύ, āφāϗ⧇āχ āĻŦ⧁āĻāĻŋāϝāĻŧ⧇āĻ›āĻŋ āĻ•āĻŽāϞ⧇ Unit Accumulation āĻŦāĻžāĻĄāĻŧāĻŦ⧇ āφāϰ āĻŦāĻžāĻĄāĻŧāϞ⧇ Valuation āĻŦāĻžāĻĄāĻŧāĻŦ⧇āĨ¤

Loan āύāĻŋāϝāĻŧ⧇ EMI āĻĻāĻŋāϝāĻŧ⧇ āϝ⧇āĻŽāύ āĻĒā§āϰāϝāĻŧā§‹āϜāύ⧀āϝāĻŧ Goods āϕ⧇āύāĻž āϝāĻžāϝāĻŧ āĻ āĻŋāĻ• āϤ⧇āĻŽāύāĻŋ SIP (like EMI) āĻāϰ āĻŽāĻžāĻ§ā§āϝāĻŽā§‡ Invest āĻ•āϰ⧇ āϝ⧇āϕ⧋āύ⧋ Goal Fulfill āĻ•āϰāĻž āϝāĻžāϝāĻŧāĨ¤ Short Term āĻāĻŦāĻ‚ Long Term āωāĻ­āϝāĻŧ Goal āĻāϰ āϜāĻ¨ā§āϝāχ SIP āĻ•āϰāĻž āϝāĻžāϝāĻŧāĨ¤ āĻāĻŽāύāĻ•āĻŋ āϕ⧇āω 80C āϧāĻžāϰāĻžāϝāĻŧ Tax āĻ›āĻžāĻĄāĻŧ āύāĻŋāϤ⧇ āϚāĻžāύ āϤāĻŋāύāĻŋāĻ“ SIP āĻ•āϰāϤ⧇ āĻĒāĻžāϰ⧇āύāĨ¤ Retirement, Child Education or Marriage, Vacation, āĻĒā§āϰāϭ⧃āϤāĻŋ āĻŦāĻŋāĻ­āĻŋāĻ¨ā§āύ Goal āĻāϰ āϜāĻ¨ā§āϝ SIP āĻāĻ•āϟāĻž āϖ⧁āĻŦ āĻ­āĻžāϞ⧋ Investment Way āĻšāϤ⧇ āĻĒāĻžāϰ⧇āĨ¤

āϖ⧁āĻŦ āĻ­āĻžāϞ⧋āĻ•āϰ⧇ āĻŦā§‹āĻāĻžāϰ āϏ⧁āĻŦāĻŋāϧāĻžāϰ āϜāĻ¨ā§āϝ āφāĻŽāĻŋ āĻŦ⧇āĻļāĻŋ āύāϝāĻŧ āĻŽāĻžāĻ¤ā§āϰ 6 āĻŦāĻ›āϰ āϚāϞāϛ⧇ āĻāϰāĻ•āĻŽ āĻāĻ•āϟāĻž SIP āϰ Practical āύāĻŽā§āύāĻž āϤ⧁āϞ⧇ āĻĻāĻŋāϞāĻžāĻŽāĨ¤ āĻ āϕ⧋āύ⧋ Illustration āύāϝāĻŧ FactāĨ¤ āύ⧀āĻšā§‡āϰ āĻ›āĻŦāĻŋāϟāĻž āĻĻ⧇āϖ⧁āύāĨ¤

āϖ⧁āĻŦ āĻ­āĻžāϞ⧋ āĻ•āϰ⧇ āϞāĻ•ā§āĻˇā§āϝ āĻ•āϰāϞ⧇ āĻĻ⧇āĻ–āĻŦ⧇āύ āĻ­āĻĻā§āϰāϞ⧋āĻ• āĻāχ 72 āĻŽāĻžāϏ⧇ 5,000 āϟāĻžāĻ•āĻž āĻ•āϰ⧇ Invest āĻ•āϰ⧇āϛ⧇āύ 3,60,000 āϟāĻžāĻ•āĻž āϝāĻžāϰ Current Value āĻšāϝāĻŧ⧇āϛ⧇ āĻŦāĻ°ā§āϤāĻŽāĻžāύ⧇ 6,88,503 āϟāĻžāĻ•āĻžāĨ¤ āĻāĻ–āύ⧋ āĻĒāĻ°ā§āĻ¯ā§āϝāĻ¨ā§āϤ CAGR Return āĻšāϝāĻŧ⧇āϛ⧇ 21.6%āĨ¤ āϝ⧇āĻĻāĻŋāύ SIP āϟāĻž āĻļ⧁āϰ⧁ āĻšāϝāĻŧ⧇āĻ›āĻŋāϞ⧋ 25/06/2010 āϏ⧇āĻĻāĻŋāύ⧇āϰ NAV āĻ›āĻŋāϞ⧋ 80.05 āϟāĻžāĻ•āĻž āφāϰ āϐ āĻĻāĻŋāύ SENSEX (Market Index) āĻ›āĻŋāϞ⧋ 17,575āĨ¤ āϐ āĻĻāĻŋāύ āωāύāĻŋ āĻ“āύāĻžāϰ āϐ 5,000 āϟāĻžāĻ•āĻžāϰ āĻŦāĻŋāύāĻŋāĻŽāϝāĻŧ⧇ 62.46 Unit āĻĒ⧇āϝāĻŧ⧇ āĻ›āĻŋāϞ⧇āύāĨ¤ āϤāĻžāϰ āĻĒāϰ NAV 15/11/2010 āĻ āĻŦ⧇āĻĄāĻŧ⧇ āĻšāϝāĻŧ 93.09 āϟāĻžāĻ•āĻž āφāϰ Unit Accumulation āĻšāϝāĻŧ 53.71āĨ¤ āϤāĻžāϰāĻĒāϰ Market āύāĻžāĻŽāϤ⧇ āύāĻžāĻŽāϤ⧇ 15/12/2011 āύ⧇āĻŽā§‡ āφāϏ⧇ 15,836 āĻ āĻāĻŦāĻ‚ NAV āύ⧇āĻŽā§‡ āĻšāϝāĻŧ 67.93 āϟāĻžāĻ•āĻž, āϐ āϏāĻŽāϝāĻŧ āϝāĻĨāĻžāϰ⧀āϤāĻŋ Unit Accumulation āĻŦ⧇āĻĄāĻŧ⧇ āĻšāϝāĻŧ 73.61āĨ¤ āĻāϟāĻžāχ SIP āĻāϰ Magic, Equity Market āĻ•āĻ–āύ⧋ āĻŦāĻžāĻĄāĻŧāĻŦ⧇ āφāĻŦāĻžāϰ āĻ•āĻ–āύ⧋ āĻ•āĻŽāĻŦ⧇, SIP Investor āĻāϰ āĻĻ⧁āĻŸā§‹āϤ⧇āχ āϞāĻžāĻ­, Market āĻŦāĻžāĻĄāĻŧāϞ⧇ NAV āĻŦāĻžāĻĄāĻŧāĻŦ⧇, Fund āĻāϰ Value āĻŦāĻžāĻĄāĻŧāĻŦ⧇, āφāϰ Market āĻ•āĻŽāϞ⧇ NAV āĻ•āĻŽāĻŦ⧇ Unit Accumulation āĻŦāĻžāĻĄāĻŧāĻŦ⧇āĨ¤ āφāϰ āĻāχ āĻ­āĻžāĻŦ⧇āχ SIP āϤ⧇ Huge Return āĻĒāĻžāĻ“āϝāĻŧāĻž āϝāĻžāϝāĻŧāĨ¤

āφāĻŽāĻŋ āφāĻĒāύāĻžāĻĻ⧇āϰ 15 āĻŦāĻ›āϰ⧇āϰ Practical Figure āĻ“ āĻĻ⧇āĻ–āĻžāϤ⧇ āĻĒāĻžāϰāϤāĻžāĻŽāĨ¤ Chart āϟāĻž āĻŦāĻĄāĻŧ āĻšāϝāĻŧ⧇ āϝ⧇āϤ⧋, āĻ…āύ⧇āϕ⧇ āĻšāϝāĻŧāϤ⧋ āĻ āĻŋāĻ• āϧāϰāϤ⧇ āĻĒāĻžāϰāϤ⧇āύ āύāĻžāĨ¤ āĻāχ Fund āϟāĻŋ 20 āĻŦāĻ›āϰ⧇ āĻāĻ–āύ⧋ 21% Tax Free Return āĻĻāĻŋāϝāĻŧ⧇āϛ⧇āĨ¤ āĻ­āĻžāĻŦ⧁āύāϤ⧋ āĻŽāĻžāϏ⧇ āĻŽāĻžāϏ⧇ Little Bit Invest āĻ•āϰ⧇ āϕ⧋āύ⧋ Commitment āϕ⧋āύ⧋ Pressure āύāĻž āύāĻŋāϝāĻŧ⧇ āĻāχ āϰāĻ•āĻŽ Lucrative Inflation Adjusted Tax Free Return āĻĒāĻžāĻ“āϝāĻŧāĻžāϰ āφāϰ āĻ•āĻŋ āϕ⧋āύ⧋ Avenue āφāϛ⧇?

āωāĻĒāϰ⧇āϰ Example āϟāĻžāϤ⧇ āϧāϰ⧇ āύ⧇āĻ“āϝāĻŧāĻž āĻšāϝāĻŧ⧇āϛ⧇ āϝ⧇ Investor āϤāĻžāϰ āĻĒā§āϰāϤāĻŋ āĻŽāĻžāϏ⧇ Investment Amount āϟāĻž āĻŦāĻžāĻĄāĻŧāĻžāĻšā§āϛ⧇āύ āύāĻž, Return āĻ“ āĻŦāĻžāĻĄāĻŧāϛ⧇ āύāĻž (āϝāĻĻāĻŋāĻ“ āĻŦāĻžāĻ¸ā§āϤāĻŦ⧇ Time āϝāϤ āĻŦāĻžāĻĄāĻŧ⧇ Return % āϤāϤ āĻŦ⧇āĻļāĻŋ āĻšāĻ“āϝāĻŧāĻžāϰāχ āϏāĻŽā§āĻ­āĻŦāύāĻž āĻŦ⧇āĻļāĻŋ), Investment Time Horizon āϟāĻž 5 āĻŦāĻ›āϰ āĻĨ⧇āϕ⧇ āĻŦ⧇āĻĄāĻŧ⧇ 10 āĻŦāĻž 20 āĻŦāĻž 30 āĻšāϞ⧇ āĻ•āĻŋ āϏāĻžāĻ™ā§āϘāĻžāϤāĻŋāĻ• āĻ…āĻŦāĻ¸ā§āĻšāĻž āĻšāĻšā§āϛ⧇ āĻĻ⧇āϖ⧁āύāĨ¤

āϤāĻžāĻšāϞ⧇ SIP āϰ āĻ•āĻŋ āϏāĻŦāχ āĻ­āĻžāϞ⧋? āύāĻž āϤāĻž āύāϝāĻŧāĨ¤ āϝāĻĻāĻŋ āϕ⧋āύ⧋ āĻŦā§āϝāĻ•ā§āϤāĻŋāϰ āĻ­āĻžāϞ⧋āĻ­āĻžāĻŦ⧇ āĻāχ āĻŦāĻŋāώāϝāĻŧāϟāĻž āύāĻž āĻŦā§‹āĻāĻž āĻšāϝāĻŧ⧇ āĻĨāĻžāϕ⧇ āĻŦāĻž āϤāĻžāϰ Investment Mindset āύāĻž āϤ⧈āϰ⧀ āĻšāϝāĻŧ⧇ āĻĨāĻžāϕ⧇ āϤāĻžāĻšāϞ⧇āχāĻ—āĻ¨ā§āĻĄā§‹āĻ—ā§‹āϞ āĨ¤ āĻ•āĻŋāϰāĻ•āĻŽ āωāĻĒāϰ⧇āϰ 1st Example āϟāĻž āφāĻŦāĻžāϰ āĻĻ⧇āϖ⧁āύāĨ¤ 3rd āĻŽāĻžāϏ⧇ Invest āĻšāϝāĻŧ⧇ āϗ⧇āϛ⧇ 6,000 āϟāĻžāĻ•āĻž āĻ•āĻŋāĻ¨ā§āϤ⧁ Value āĻĻ⧇āĻ–āĻžāĻšā§āϛ⧇ 4,400, 4th āĻŽāĻžāϏ āĻĒāĻ°ā§āĻ¯ā§āϝāĻ¨ā§āϤ Invest āĻšāϝāĻŧ⧇āϛ⧇ 8,000 āϟāĻžāĻ•āĻž Value āĻĻ⧇āĻ–āĻžāĻšā§āϛ⧇ 7,500 āϟāĻžāĻ•āĻžāĨ¤ āĻāχāĻ–āĻžāύ⧇ āĻ…āύ⧇āϕ⧇āχ ECS Stop āĻ•āϰ⧇ āϟāĻžāĻ•āĻž āϤ⧁āϞ⧇ āύāĻŋāϝāĻŧ⧇ āϚāϞ⧇ āϝāĻžāĻŦ⧇āύāĨ¤ āφāĻŽāĻŋ āύāĻŋāĻļā§āϚāĻŋā§Ž āĻāχ āϞ⧇āĻ–āϟāĻž āĻĒāĻĄāĻŧāĻžāϰ āĻĒāϰāĻ“ āĻšāϝāĻŧāϤ⧋ āĻ…āύ⧇āϕ⧇āχ āĻŽāĻžāĻāĻĒāĻĨ⧇ Quit āĻ•āϰāĻž āĻĨ⧇āϕ⧇ āĻ–āĻžāĻ¨ā§āϤ āĻšāĻŦ⧇āύ āύāĻžāĨ¤ āϝāĻžāϰāĻž āĻĨ⧇āϕ⧇ āϝāĻžāĻŦ⧇āύ āϤāĻžāϰāĻž Just āϐ āĻŽāĻžāĻ¤ā§āϰ āĻŽāĻžāϏ⧇ 5,000 āϟāĻžāĻ•āĻž āĻ•āϰ⧇ Invest āĻ•āϰ⧇āχ āĻŽāĻžāĻ¤ā§āϰ 12% Return Enjoy āĻ•āϰ⧇āχ 20 āĻŦāĻ›āϰ⧇ 45.56 āϞāĻžāĻ– āϟāĻžāĻ•āĻžāϰāĻ“ āĻŦ⧇āĻļāĻŋ Fund āϤ⧈āϰ⧀ āĻ•āϰ⧇ āύ⧇āĻŦ⧇āύāĨ¤

āϧāϰāĻžāϝāĻžāĻ• āĻāĻ•āϜāύ 25 āĻŦāĻ›āϰ⧇ Earning āĻļ⧁āϰ⧁ āĻ•āϰāϞ⧋ āφāϰ Just 2,000 āϟāĻžāĻ•āĻž SIP āϰ āĻŽāĻžāĻ§ā§āϝāĻŽā§‡ āϜāĻŽāĻž āĻ•āϰāĻžāϰ āĻŽāύāĻ¸ā§āĻšāĻŋāϰ āĻ•āϰāϞ⧋āĨ¤ āϝāĻĻāĻŋ āϐ Fund āϟāĻŋāϰ Return 15% āĻ“ āĻšāϝāĻŧ āϤāĻžāĻšāϞ⧇ āωāύāĻŋ āϝāĻ–āύ 60 āĻŦāĻ›āϰ āĻŦāϝāĻŧāϏ⧇ Retire āĻ•āϰāĻŦ⧇āύ āϤāĻ–āύ Fund āϟāĻŋāϰ Value āĻšāĻŦ⧇ 2,25,65,336 āϟāĻžāĻ•āĻžāĨ¤ āĻ–āĻžāϰāĻžāĻĒ āύāϝāĻŧ āύāĻŋāĻļā§āϚāχāĨ¤ āĻ•āĻžāϰāύ āφāϜāϕ⧇āϰ 2,000 Investment 60 āĻŦāĻ›āϰ āĻŦāϝāĻŧāϏ⧇āĻ“ āĻāĻ•āχ āϰāϝāĻŧ⧇āϛ⧇ āϤāĻžāχ āύāĻž?

āĻāχ Subject āϟāĻž āύāĻŋāϝāĻŧ⧇ āĻ…āύ⧇āϕ⧇ āφāĻŽāĻžāϕ⧇ āĻ…āύ⧇āĻ• āĻĒā§āϰāĻļā§āύ āĻ•āϰ⧇āϛ⧇āύ āϤāĻžāϰ āĻ•āϝāĻŧ⧇āĻ•āϟāĻžāϰ āωāĻ¤ā§āϤāϰ āĻāĻ–āĻžāύ⧇ āĻĻ⧇āĻ“āϝāĻŧāĻžāϰ āĻšā§‡āĻˇā§āϟāĻž āĻ•āϰāĻ›āĻŋāĨ¤

1. What is an example of SIP?
āωāĻĒāϰ⧇āϰ Article āĻĒāϰāĻžāϰ āĻĒāϰ āφāĻļāĻžāĻ•āϰāĻŋ āĻāϰ āωāĻ¤ā§āϤāϰ āĻĒ⧇āϝāĻŧ⧇ āϗ⧇āϛ⧇āύāĨ¤

2. What is a Systematic Investment Plan and how it works?
āĻāχ āĻĒā§āϰāĻļā§āύāϟāĻŋ āϝāĻŋāύāĻŋ āĻ•āϰ⧇āϛ⧇āύ āφāĻļāĻžāĻ•āϰāĻŋ āĻāχ āϞ⧇āĻ–āĻžāϟāĻž āĻĒāϰ⧇ āϤāĻžāϰ āωāĻ¤ā§āϤāϰ āĻĒ⧇āϝāĻŧ⧇ āϗ⧇āϛ⧇āύ āĨ¤

3. How do I start a Systematic Investment Plan?
Wealth Create āĻ•āϰāĻžāϰ āϜāĻ¨ā§āϝ āĻŦāĻž Financial āϕ⧋āύāĻ“ Goal āĻĒā§‚āϰāĻŖ āĻ•āϰāĻžāϰ āϜāĻ¨ā§āϝ SIP āϰ āĻŽāĻžāĻ§ā§āϝāĻŽā§‡ Investment Start āĻ•āϰāϤ⧇ āĻšāϞ⧇ āφāϗ⧇ āύāĻŋāĻœā§‡āϰ KYC Complete āĻ•āϰ⧇ āύāĻŋāϤ⧇ āĻšāĻŦ⧇āĨ¤ āϤāĻžāϰ āĻĒāϰ āĻ āĻŋāĻ• āĻ•āϰ⧇ āύāĻŋāϤ⧇ āĻšāĻŦ⧇ āφāĻĒāύāĻŋ āĻ•āĻŋ āωāĻĻā§āĻĻ⧇āĻļā§āϝ⧇ āĻ•āϤ āϟāĻžāĻ•āĻžāϰ āĻ•āϤ āϏāĻŽāϝāĻŧ⧇āϰ āϜāĻ¨ā§āϝ āĻŽāĻžāϏ⧇ āĻŽāĻžāϏ⧇ Invest āĻ•āϰāϤ⧇ āϚāĻžāύāĨ¤ āύāĻŋāĻœā§‡āϰ Risk āύ⧇āĻŦāĻžāϰ āĻ•ā§āώāĻŽāϤāĻž āϝāĻžāϚāĻžāχ āĻ•āϰ⧇ Fund select āĻ•āϰ⧇ āύāĻŋāϤ⧇ āĻšāĻŦ⧇āĨ¤ āĻāĻ•ā§āώ⧇āĻ¤ā§āϰ⧇ āϝ⧇ āϕ⧇āω āϚāĻžāχāϞ⧇ āϝ⧇ āϕ⧋āύāĻ“ Mutual Distributor āĻāϰ āϏāĻžāĻšāĻžāĻ¯ā§āϝāĻ“ āύāĻŋāϤ⧇ āĻĒāĻžāϰ⧇āύāĨ¤

4. Which SIP is best for 1-year time duration?
āĻ•āĻŦāĻ›āϰ⧇āϰ āϜāĻ¨ā§āϝ SIP āĻ•āϰāĻžāϰ āĻĒā§āϰāϝāĻŧā§‹āϜāύ āĻšāϞ⧇ Debt Fund āĻāϰ āĻ…āĻ¨ā§āϤāĻ°ā§āĻ—āϤ Liquid Category Fund āĻ āĻ•āϰāϤ⧇ āĻĒāĻžāϰ⧇āύāĨ¤ Bank āĻŦāĻž Post Office āĻāϰ Recurring Deposit āĻāϰ āĻĨ⧇āϕ⧇ āĻāĻ•āϟ⧁ āĻŦ⧇āĻļāĻŋ āϏ⧁āĻŦāĻŋāϧāĻž āĻĒāĻžāĻ“āϝāĻŧāĻž āϝāĻžāĻŦ⧇āĨ¤

5. Which SIP plan is the best? Or which SIP plan is best in India?
āϕ⧋āύ SIP Plan best āĻāϟāĻž āĻāĻ­āĻžāĻŦ⧇ āĻŦāϞāĻž āϖ⧁āĻŦ āĻ•āĻ āĻŋāύ āĻŦāĻž āĻ…āϏāĻŽā§āĻ­āĻŦ āĻ“ āĻŦāϞāĻž āϝāĻžāϝāĻŧāĨ¤Â  āĻ•āĻžāϰāĻŖ SIP āĻšāϞ āĻāĻ•āϟāĻž āĻŽāĻžāϏ⧇ āĻŽāĻžāϏ⧇ āϟāĻžāĻ•āĻž Invest āĻ•āϰāĻžāϰ āĻāĻ•āϟāĻž System āĻŽāĻžāĻ¤ā§āϰāĨ¤ SIP āϕ⧋āύ Fund āĻāϰ āĻŦāĻž Product āĻāϰ āύāĻžāĻŽ āύāϝāĻŧāĨ¤ SIP āĻāĻ•āϟāĻž Good Investment Strategy. āĻāĻ•āϜāύ āĻŦā§āϝāĻ•ā§āϤāĻŋ āĻŽāĻžāϏ⧇ āĻŽāĻžāϏ⧇ Income āĻ•āϰāϛ⧇āύ, āĻŽāĻžāϏ⧇ āĻŽāĻžāϏ⧇ āϤāĻžāϰ āĻĒā§āϰāϝāĻŧā§‹āϜāύ⧀āϝāĻŧ āĻ–āϰāϚ āĻ•āϰāϛ⧇āύ āĻāĻŦāĻžāϰ āϝ⧇āϟāĻž Surplus āĻĨāĻžāĻ•āϛ⧇ āϏ⧇āϟāĻžāχ āĻŽāĻžāϏ⧇ āĻŽāĻžāϏ⧇ Invest āĻ•āϰ⧇ āϤāĻžāϰ āύāĻŋāĻœā§‡āϰ āĻ•āĻŋāϛ⧁ Goal āĻŦāĻž Purpose āϕ⧇ āĻĒā§‚āϰāĻŖ āĻ•āϰāĻžāϰ āĻĒāϧāϤāĻŋ āϤāĻžāχ āĻšāϞ SIPāĨ¤Â 

6. Which mutual fund gives the highest return?
Mutual fund āĻāĻ•āϟāĻž Investment āĻāϰ AvenueāĨ¤ Mutual Fund āĻāϰ āĻŽāĻ§ā§āϝ⧇ āĻŦāĻŋāĻ­āĻŋāĻ¨ā§āύ Category āϰ āĻŦāĻŋāĻ­āĻŋāĻ¨ā§āύ Fund āφāϛ⧇āĨ¤ āĻ•āĻŋāϛ⧁ Fund āφāϛ⧇ āϝ⧇āϗ⧁āϞ⧋ Debt Fund, āĻ•āĻŋāϛ⧁ āφāϛ⧇ Hybrid Fund, āφāϰ āĻ•āĻŋāϛ⧁ āφāϛ⧇ Equity FundāĨ¤

Return āĻšāϞ Past Performance āĻāϰ ResultāĨ¤ āĻšā§āϝāĻžāρ, āĻ…āύ⧇āĻ• Equity Mutual Fund Past āĻ āĻ…āύ⧇āĻ• Return Produce āĻ•āϰ⧇āϛ⧇ āĻāϟāĻž āĻ āĻŋāĻ•āĨ¤ Equity Mutual Fund āĻ āϝāĻĻāĻŋ āϕ⧇āω āϤāĻžāϰ āύāĻŋāĻœā§‡āϰ āϕ⧋āύāĻ“ Long Term Financial Purpose Fulfill āĻ•āϰāĻžāϰ āϜāĻ¨ā§āϝ Invest āĻ•āϰ⧇ āĻĨāĻžāϕ⧇āύ āϤāĻŋāύāĻŋ āĻāĻ•āϟāĻž Moderate Return āφāĻļāĻž āĻ•āϰāϤ⧇āχ āĻĒāĻžāϰ⧇āύāĨ¤

7. Is Systematic Investment Plan (SIP) a good idea?
Nothing is good or badāĨ¤ āϝāĻĻāĻŋ āĻ•āĻžāϰ⧁āϰ āĻāĻ•āĻ•āĻžāϞ⧀āύ Invest āĻ•āϰāĻžāϰ āĻŽāϤ āϏ⧁āϝ⧋āĻ— āύāĻž āĻĨāĻžāϕ⧇ āϤāĻžāĻšāϞ⧇ āϤāĻžāϰ āϜāĻ¨ā§āϝ āĻāχ āĻŽāĻžāϏ⧇ āĻŽāĻžāϏ⧇ Investment āĻāϰ āĻāϟāĻž āĻāĻ•āϟāĻž āĻŦāĻĄāĻŧ āϏ⧁āϝ⧋āĻ— āĻŦāϞāĻž āϝāĻžāϝāĻŧāĨ¤ āϛ⧋āϟ āϛ⧋āϟ āĻ•āϰ⧇ Investment āĻ•āϰ⧇ āĻŦāĻĄāĻŧ Wealth Creation āĻāϰ āĻāĻ•āϟāĻž āĻŦāĻĄāĻŧ āϏ⧁āϝ⧋āĻ— āĻšāϞ SIPāĨ¤ āĻŽāĻžāϏ⧇ āĻŽāĻžāĻ¤ā§āϰ 5,000 āϟāĻžāĻ•āĻž āĻ•āϰ⧇ Invest āĻ•āϰ⧇ 30 āĻŦāĻ›āϰ⧇ 1,5 āϕ⧋āϟāĻŋ āϟāĻžāĻ•āĻžāϰ āĻāĻ•āϟāĻž Wealth Create āĻ•āϰāĻž āϏāĻŽā§āĻ­āĻŦāĨ¤ (Assumed return 12% Rate)

8. Is Systematic Investment Plan (SIP) safe?
Safety āĻŦāϞāϤ⧇ āĻ•āĻŋ āϜāĻžāύāϤ⧇ āϚāĻžāĻ“āϝāĻŧāĻž āĻšāϝāĻŧ⧇āϛ⧇ āĻŦ⧁āĻāϤ⧇ āĻĒāĻžāϰāĻŋāύāĻŋāĨ¤ āϝāĻĻāĻŋ Capital āĻšā§‹āϟ āϝāĻžāĻ“āϝāĻŧāĻžāϰ āĻ•āĻĨāĻž āĻŦāϞāĻž āĻšāϝāĻŧ⧇ āĻĨāĻžāϕ⧇ āϤāĻžāĻšāϞ⧇ āĻŦāϞāĻŦ āύāĻž āϏ⧇ āϏāĻŽā§āĻ­āĻŦāύāĻž āύ⧇āχāĨ¤ āĻ•āĻžāϰāĻŖ Mutual Fund SEBI Regulation āĻĻāĻžāϰāĻž āύāĻŋāϝāĻŧāĻ¨ā§āĻ¤ā§āϰāĻŋāϤ āĻšāϝāĻŧāĨ¤ āĻāĻŦāĻžāϰ āϝāĻĻāĻŋ Safety āĻŦāϞāϤ⧇ āĻ•āĻŽā§‡ āϝāĻžāĻ“āϝāĻŧāĻž āĻŽāĻžāύ⧇ Volatility āϰ āĻ•āĻĨāĻž āĻŦāϞāĻž āĻšāϝāĻŧ āϤāĻžāĻšāϞ⧇ āφāĻŽāĻŋ āĻŦāϞāĻŦ āĻāχ Article āφāϗ⧇ āĻĒ⧁āϰ⧋āϟāĻž āĻ­āĻžāϞ⧋ āĻ•āϰ⧇ āĻĒāĻĄāĻŧ⧇ āύāĻŋāύ, āϤāĻžāĻšāϞ⧇āχ āĻŦ⧁āĻāϤ⧇ āĻĒāĻžāϰāĻŦ⧇āύ āĻāχ Volatility āϰ āĻ•āĻžāϰāϪ⧇āχ Long Time āĻ SIP āϰ āĻŽāĻžāĻ§ā§āϝāĻŽā§‡ āĻŦāĻĄāĻŧ Wealth Creation āĻ•āϰāĻž āĻŦāĻž Financial Goal Achieve āĻ•āϰāĻž āϏāĻŽā§āĻ­āĻŦ āĻšāϝāĻŧāĨ¤

9. Can I lose money in SIP?
āύāĻŋāĻœā§‡āϰ Investment Purpose, Risk āύ⧇āĻŦāĻžāϰ āĻ•ā§āώāĻŽāϤāĻž āĻāϗ⧁āϞ⧋ āĻŦāĻŋāϚāĻžāϰ āύāĻž āĻ•āϰ⧇ āϝāĻĻāĻŋ āĻļ⧁āϧ⧁ āĻŽāĻžāĻ¤ā§āϰ Performance āϕ⧇ Target āĻ•āϰ⧇ Short Time āĻāϰ āϜāĻ¨ā§āϝ High Volatility Fund āĻ SIP āϰ āĻŽāĻžāĻ§ā§āϝāĻŽā§‡ Invest āĻ•āϰāĻž āĻšāϝāĻŧ āϤāĻžāĻšāϞ⧇ Short Period āĻ Loss āĻĻ⧇āĻ–āϤ⧇ āĻšāϤ⧇ āĻĒāĻžāϰ⧇, āĻ•āĻŋāĻ¨ā§āϤ⧁ āϝāĻĻāĻŋ Long time period āĻ āĻĻ⧇āĻ–āĻž āϝāĻžāϝāĻŧ āϤāĻžāĻšāϞ⧇ Money Lose āύāĻž āĻšāϝāĻŧ⧇ Money Gain āĻāϰ Probability āĻ…āύ⧇āĻ• āĻŦ⧇āĻļāĻŋāĨ¤

10. Is SIP better or a lump sum investment?
Long Period āĻ SIP āĻŦāĻž Lump Sum āĻĻ⧁āĻŸā§‹āχ Financial Goal āĻĒā§‚āϰāϪ⧇ āϝāĻĨ⧇āĻˇā§āϟ āĻ•āĻžāĻ°ā§āϝāĻ•āϰ⧀āĨ¤ SIP āϰ āĻŽāĻžāĻ§ā§āϝāĻŽā§‡ āĻŽāĻžāϏ⧇ āĻŽāĻžāϏ⧇ āύāĻŋāĻœā§‡āϰ āϏāĻžāĻŽāĻ°ā§āĻĨā§āϝ āĻ…āύ⧁āϝāĻžāϝāĻŧā§€ āϖ⧁āĻŦ āĻ…āĻ˛ā§āĻĒ āĻĒāϰāĻŋāĻŽāĻžāϪ⧇ āϟāĻžāĻ•āĻž Invest āĻ•āϰ⧇āχ Short Period āĻāϰ Volatility āϕ⧇ Manage āĻ•āϰ⧇ āĻ­āĻžāϞ⧋ Wealth Creation āϝ⧇āĻŽāύ āĻ•āϰāĻž āϝāĻžāϝāĻŧ āĻ āĻŋāĻ• āϤ⧇āĻŽāύāĻŋ āύāĻŋāĻœā§‡āϰ Risk āύ⧇āĻŦāĻžāϰ āĻ•ā§āώāĻŽāϤāĻž āĻŦ⧁āĻā§‡ Financial Goal āĻ…āύ⧁āϝāĻžāϝāĻŧā§€ Lump Sum Investment āĻ•āϰ⧇āĻ“ Long term āĻ āϖ⧁āĻŦ āĻŦāĻĄāĻŧ Wealth Create āĻ•āϰāĻž āϏāĻŽā§āĻ­āĻŦāĨ¤

āϝāĻĻāĻŋ āĻŽāύ⧇ āĻšāϝāĻŧ āφāĻĒāύāĻžāĻĻ⧇āϰ āĻ•āĻŋāϛ⧁ Value addition āĻšāϞ⧋ āϤāĻžāĻšāϞ⧇ Please āϞāĻŋāϖ⧇ āϜāĻžāύāĻžāύāĨ¤

Note – āĻāχ Article āĻāϰ āĻŽāĻ§ā§āϝ⧇ āϝ⧇ āϏāĻŽāĻ¸ā§āϤ Example āĻŦāĻž Return % āĻŦā§āϝāĻŦāĻšāĻžāϰ āĻ•āϰāĻž āĻšāϝāĻŧ⧇āϛ⧇ āϏ⧇āϗ⧁āϞ⧋ Just Concept āϟāĻžāϕ⧇ āĻŦā§‹āĻāĻžāύāϰ āϜāĻ¨ā§āϝ āĻĻ⧇āĻ“āϝāĻŧāĻž āĻšāϝāĻŧ⧇āϛ⧇, Mutual Funds are subject to market risk, read offer document carefully. āφāĻŽāĻŋ āĻāĻ•āϜāύ AMFI Certified Mutual Fund DistributorāĨ¤ āĻāχ Article āϟāĻŋ āϕ⧋āύāĻ“ Planning āĻŦāĻž Advice āĻĻ⧇āĻ“āϝāĻŧāĻžāϰ āϜāĻ¨ā§āϝ āϞ⧇āĻ–āĻž āĻšāϝāĻŧ āύāĻŋ āĻļ⧁āϧ⧁ āĻŽāĻžāĻ¤ā§āϰ Concept āϟāĻž clear āĻ•āϰāĻžāϰ āϜāĻ¨ā§āϝ āĻŦāĻž Awareness āϤ⧈āϰāĻŋ āĻ•āϰāĻžāϰ āϜāĻ¨ā§āϝ āĻāχ Article āϞ⧇āĻ–āĻž āĻšāϝāĻŧ⧇āϛ⧇āĨ¤

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18 thoughts on “SIP – A Unique Way of Investment System (Bengali)”

  1. Excellent Explanation. Really an eye opener. I am very much benefited by doing SIP. Thank you Mr. Roy. You always try to clear us invest according to your objective .

  2. Anindita Samanta

    I came to know first the SIP concept from Mr Roy. I started investment Rs 2000 monthly for Tax saving purpose. Now I invest for my various goal Rs 25,000 p.m through SIP. I am Satisfied and happy. Thanks Mr. Roy.

  3. Dr S Mukherjee

    At first I started RS 5,000 SIP in the year 2007. After that I realize the logic and its power. In the year 2009 when every body were unhappy regarding their investment but my investment value was good. I continue my previous SIP and also increase the SIP amount from Rs 5,000 to Rs. 15,000.

    SIP is really an unique investment system. No doubt about it.

    Not only that,with SIP investment if Mr Roy. is an advisor with that Investment then it will be more SAFE & SECURE.

  4. Prof S. Samanta

    āϖ⧁āĻŦ āϏ⧋āϜāĻž āĻ•āϰ⧇ āϝ⧇ āϕ⧋āύ⧋ āĻŦāĻŋāώ⧟āϕ⧇ āĻŦā§‹āĻāĻžāύ⧋āϰ āĻāĻ• āĻ…āϏāĻžāϧāĻžāϰāύ āĻ–āĻŽāϤāĻž āφāϛ⧇ Mr Roy āĻāϰāĨ¤ āφāĻŽāĻŋ āϏ⧇āχ āĻŦā§āϝāĻ•ā§āϤāĻŋāĻĻ⧇āϰ āĻāĻ•āϜāύ āϝ⧇ āĻŦāϞāϤ⧇ āĻĒāĻžāϰ⧇ āĻ­āĻžāĻ—ā§āϝāĻŋāϏ 2007 āϏāĻžāϞ⧇ āϰāĻžā§Ÿ āĻŦāĻžāĻŦ⧁āϕ⧇ āĻŦāĻŋāĻļā§āĻŦāĻžāϏ āĻ•āϰ⧇āĻ›āĻŋāϞāĻžāĻŽāĨ¤

    āĻŦāĻ¨ā§āϧ⧁āϰāĻž, āϰāĻžā§ŸāĻŦāĻžāĻŦ⧁ āĻāĻ•āĻĻāĻŽ āϏāĻ āĻŋāĻ• āĻ•āĻĨāĻž āĻŦāϞ⧇āϛ⧇āύ, āφāĻŽāĻžāϰ āĻĻ⧇āĻ–āĻžāĻĻ⧇āĻ–āĻŋ āφāĻŽāĻžāϰāχ āĻāĻ• āĻŦāĻ¨ā§āϧ⧁ 2009 āϏāĻžāϞ⧇ SIP āĻļ⧁āϰ⧁ āĻ•āϰ⧇ āϤāĻžāϰāĻĒāϰ 2012 āϏāĻžāϞ⧇ āĻšāϤāĻžāĻļ āĻšā§Ÿā§‡ āĻŦāĻ¨ā§āϧ āĻ•āϰ⧇ āĻĻā§‡ā§ŸāĨ¤ āϤāĻžāϕ⧇ āφāĻŽāĻŋ āĻŦāϞāĻŋ āϤ⧁āχ Bank āĻ āϰ⧇āϖ⧇ Tax Deduct āĻšāĻ“ā§ŸāĻžāϰ āĻĒāϰ āĻ•āϤ Net āĻšāĻžāϤ⧇ āĻĒāĻžāĻŦāĻŋ āϭ⧇āĻŦ⧇ āĻĻ⧇āĻ– āφāϰ āφāĻŽāĻžāϰ Investment āϟāĻž āĻĻ⧇āĻ–āĨ¤ āĻ•āĻŋāϛ⧁ āĻ•āϰāĻžāϰ āύ⧇āχāĨ¤

  5. āφāĻŽāĻŋ āϰāĻžā§ŸāĻŦāĻžāĻŦ⧁āϰ Suggestion āĻŽāϤ⧋ āφāĻŽāĻžāϰ Bank Fixed Deposit āĻāϰ Interest āϟāĻžāϕ⧇ Monthly SIP āĻ•āϰ⧇ āϖ⧁āĻŦ āωāĻĒāĻ•ā§ƒāϤ āĻšā§Ÿā§‡āĻ›āĻŋāĨ¤ āφāĻŽāĻŋ āĻāĻ•āϜāύ Retired PersonāĨ¤ Fixed Deposit āĻĨ⧇āϕ⧇ Capital Erosion āĻ•āĻŽ āĻ•āϰāĻžāϰ āϜāĻ¨ā§āϝ āϰāĻžā§ŸāĻŦāĻžāĻŦ⧁ āĻāχ Planning āϟāĻž āĻ•āϰ⧇ āĻĻāĻŋā§Ÿā§‡āĻ›āĻŋāϞ⧇āύāĨ¤ SIP System āϟāĻž āϏāĻ¤ā§āϝāĻŋāχ āϖ⧁āĻŦ āĻ­āĻžāϞ⧋āĨ¤

    āĻ•ā§Ÿā§‡āĻ• āĻŦāĻ›āϰ āĻĒāϰ⧇ āĻĻ⧇āĻ–āϞāĻžāĻŽ āĻāχ Mutual Fund āĻ Invest āĻ•āϰ⧇ Return āϝāĻž āĻĒāĻžāĻšā§āĻ›āĻŋ āϏ⧇āϟāĻžāϤ⧋ āφāϛ⧇āχ āϤāĻž āĻ›āĻžā§œāĻžāĻ“ āφāĻŽāĻŋ 30% Tax Slab āĻĨ⧇āϕ⧇ āύ⧇āĻŽā§‡ 20% Tax Slab āĻ āĻāϏ⧇ āϗ⧇āĻ›āĻŋāĨ¤ āĻāϟāĻž āφāĻŽāĻžāϰ āĻ•āĻžāϛ⧇ āϖ⧁āĻŦ āĻŦ⧜ āĻŦā§āϝāĻžāĻĒāĻžāϰāĨ¤ āĻāĻ•āχ āϏāĻžāĻĨ⧇ āφāĻŽāĻžāϰ āϝ⧇ āĻ…āĻ¨ā§āϝ āĻ•āϞ⧀āĻ—āϰāĻž Retire āĻ•āϰ⧇āĻ›āĻŋāϞ⧋ āϤāĻžāϰāĻž āϤ⧋ āϏāĻŦāĻžāχ 30% Tax Slab āĻāχ āĻ°ā§Ÿā§‡ āϗ⧇āϛ⧇āĨ¤ All Credit Goes to āĻ…āĻļā§‹āĻ• āĻŦāĻžāĻŦ⧁āĨ¤ āωāύāĻŋāχ āφāĻŽāĻŋ āĻ•āϤāϟāĻž Risk āύāĻŋāϤ⧇ āĻĒāĻžāϰāĻŦ āĻŦ⧁āĻā§‡ āύāĻŋā§Ÿā§‡ āϖ⧁āĻŦ āϏ⧁āĻ¨ā§āĻĻāϰ āĻ­āĻžāĻŦ⧇ āφāĻŽāĻžāϰ Retirement āĻĒāϰāĻŦāĻ°ā§āϤāĻŋ Plan āĻ•āϰ⧇ āĻĻāĻŋā§Ÿā§‡āϛ⧇āύāĨ¤

  6. āĻāχ āϞ⧇āĻ–āĻžāϟāĻž āĻĒ⧜āĻžāϰ āφāϗ⧇ āφāĻŽāĻžāϰ SIP āύāĻŋā§Ÿā§‡ āϏāĻ āĻŋāĻ• āϧāĻžāϰāύāĻž āĻ›āĻŋāϞ⧋ āύāĻžāĨ¤ Beautiful Article.

  7. Hi Mr. Roy,

    A very nice and informative piece of article. The illustartions and examples that you provide are so simple and yet so effective.

    Thanks
    Arpan

  8. Anupam Chatterjee

    āφāĻŽāĻŋ 2007 āϏāĻžāϞ āĻĨ⧇āϕ⧇ āĻāχ SIP System āĻ Invest āĻ•āϰ⧇ āφāϜ āφāĻŽāĻžāϰ Retirement Fund āĻĒā§āϰāĻžā§Ÿ ReadyāĨ¤ āφāĻŽāĻŋ 2020 āϤ⧇ Retire āĻ•āϰāĻŦā§‹āĨ¤ Mr. Roy āĻāϰ āϤāĻ¤ā§āĻŦāĻžāĻŦāϧāĻžāύ⧇ āφāĻŽāĻžāϰ āφāϜ āĻĒā§āϰāĻžā§Ÿ 34,000 āϟāĻžāĻ•āĻž āĻ•āϰ⧇ SIP Investment āϚāϞ⧇āĨ¤

    Friends, āĻāϟāĻž āĻāĻ•āϟāĻž āĻ…āϏāĻžāϧāĻžāϰāύ Investment SystemāĨ¤ āφāĻĒāύāĻŋ āϚāĻžāχāϞ⧇ āĻŽāĻžāĻāĻ–āĻžāύ⧇ āϐ SIP Amount āĻāϰ āϏāĻžāĻĨ⧇ Any time any amount Top up āĻ…āĻ°ā§āĻĨāĻžāϤ āϜāĻŽāĻž āĻ•āϰāϤ⧇ āĻĒāĻžāϰāĻŦ⧇āύāĨ¤ āφāĻŽāĻžāϰ āĻĻ⧇āĻ–āĻžāĻĻ⧇āĻ–āĻŋ āφāĻŽāĻžāϰ āĻ…āύ⧇āĻ• āĻŦāĻ¨ā§āϧ⧁ āĻŦāĻžāĻ¨ā§āϧāĻŦāĻ“ āĻāχ SIP āϰ āĻŽāĻžāĻ§ā§āϝāĻŽā§‡ Invest āĻ•āϰ⧇ āĻŦ⧇āĻļ āĻ­āĻžāϞ⧋ āφāϛ⧇āĨ¤

    Mr. Roy āĻāϰ āĻŽāϤ āĻŽāĻžāύ⧁āώāϕ⧇ āĻĒ⧇āϞ⧇ āϤ⧋ āφāϰ āϕ⧋āύ⧋ āĻ•āĻĨāĻžāχ āύ⧇āχāĨ¤ Pilot āĻ­āĻžāϞ⧋ āĻšāϞ⧇ āĻ–āĻžāϰāĻžāĻĒ Weather āĻāĻ“ Plane āĻ āĻŋāĻ• Land āĻ•āϰ⧇āĨ¤ We are blessed that we are associated with Mr Roy.

  9. āĻ…āĻ­āĻŋāϜāĻŋā§Ž āϚāĻ•ā§āϰāĻŦāĻ°ā§āϤ⧀

    āϖ⧁āĻŦ āĻ­āĻžāϞ, āωāĻĻāĻžāĻšāϰāύāϗ⧁āϞ⧋ āϜāĻ¨ā§āϝ āφāϰ⧋ āĻ­āĻžāϞ⧋ āϞāĻžāĻ—āϞ⧋

  10. Arindam Bhattacharya

    Dada r kache ami kichu quantitative example cheyechilam, excellent…… kichu bolar nei. Darun laglo. Ei rokom facts and figures thakle beparta aro interesting hoye othe. Ato valo example sokolei khub sohoje bujhe jabe. Thanks Ashok Da.

  11. Dr.Samar Halder

    APURBA. ETTO SAHAJE ETO KATHIN BISHOY TA EXPLIN KORECHEN. AMI ROY BABUR EKJAN SAMANYA CLIENT. AMI SOJOG PELEI , ROY BABU KE BOLTE BADHOY HOI JE UNAR SANGE AMAR PARICHITI TA ARO AGE HOLE, AMI ANEK COMFORTABLE JAIGATE THAKTE PARTAM.

    ROY BAQBU KE SASHRODHO PRANAM.

  12. Arindam Bhattacharya

    Nothing can be better than this explanation. With example this is an excellent massage to an idle man also. This is enough to understand and inspiration to opt SIP for future upcoming financial planning.

  13. Very nice and lucid too. Examples are also cited for better understandings. Inspiriation will definitely inspire to opt SIP for future financial planning.

  14. āĻĻ⧇āĻŦāĻžāĻļāĻŋāϏ āωāĻ•āĻŋāϞ

    āϧāĻ¨ā§āϝāĻŦāĻžāĻĻ āϰāĻžā§ŸāĻŦāĻžāĻŦ⧁ , āϖ⧁āĻŦ āϏāĻšāϜ āĻāĻŦāĻ‚ āϏ⧁āĻ¨ā§āĻĻāϰ āĻ­āĻžāĻŦ⧇ SIP āĻāϰ āϏ⧁āĻŦāĻŋāϧāĻž āĻŦā§āϝāĻžāĻ–ā§āϝāĻž āĻ•āϰāĻž āϜāĻ¨ā§āϝ āĨ¤

  15. PIJUSH KANTI KUMAR

    SIP is a good tool for investment. But one requires patience and mental mind set. Some times you may not get your expected return from your SIP at that time you may have to come out from the fund and have to take further initiatives for fresh investment. But 9 out of 10 finds SIP WORKS.

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