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  📱 iPhone vs SIP – The Compounding Benefit Back in 2008 , when both were 20 years old, Aman and Rohan got their first jobs. Both earned similar salaries, but their choices were very different. Rohan – The Spender Every time a new iPhone or car was launched, Rohan bought it—sometimes even on EMI. From the first iPhone in 2008 to iPhone 17 in 2025, he never missed an upgrade. His money went into gadgets that lost value the moment they came out of the box. Aman – The Investor Aman had the same temptations but thought differently. Instead of paying EMI for gadgets, he decided: 👉 “I’ll invest ₹20,000 every month into a mutual fund SIP.” And he stuck to it, month after month, year after year. Even during tough times like the 2008 market crash or COVID, Aman never stopped his SIP. Fast Forward: 2025 (Age 37) Seventeen years passed. iPhone 17 has just launched. Rohan proudly bought it again, but his savings were close to zero. He had great photos, flashy gadgets, and cars—b...

SIP – The Story of Compounding Magic Once upon a time, in a quiet little village, there were two friends – Aman and Rohit . Both of them started working at the same time and earned similar salaries. Aman believed in enjoying the present. “Why save?” he said, “There’s plenty of time to think about the future.” Every month, he spent all his money on gadgets, outings, and shopping. Rohit, on the other hand, remembered a simple lesson: “A small drop of water every day can fill a big pot over time.” He decided to start a Systematic Investment Plan (SIP) of just ₹5,000 a month. At first, Aman laughed at him. “What difference will such a small amount make?” But Rohit smiled. He knew something Aman didn’t – the power of compounding . The Magic of Compounding Just like a tiny seed grows into a huge tree when watered regularly, Rohit’s monthly SIP kept growing silently in the background. His money was not just earning returns – those returns were also earning returns. Year after yea...

 

The Ultimate SIP FAQ Guide: 105+ Questions Answered Table of Contents SIP Basics Starting a SIP SIP Benefits SIP Risks SIP and Taxation Advanced SIP Strategies SIP Monitoring and Management SIP Comparisons and Alternatives SIP Planning and Goal Achievement SIP Troubleshooting and Miscellaneous Queries Comprehensive SIP FAQ (Systematic Investment Plan) Section 1: SIP Basics What is a Systematic Investment Plan (SIP)? A SIP is a facility offered by mutual funds to invest a fixed amount regularly in a mutual fund scheme, helping investors build wealth over time through disciplined investing. How does SIP work? In SIP, a fixed amount is invested at regular intervals, purchasing units of the chosen mutual fund. The number of units depends on the fund’s Net Asset Value (NAV) at the time of purchase. What are the types of SIP? Common types include regular SIP (fixed amount), flexible SIP (adjustable amount), top-up SIP (increase investment over t...

Investment Strategies under Specialized Investment Funds (SIFs) Specialized Investment Funds (SIFs) are a new category introduced by SEBI to bridge the gap between mutual funds and AIFs/PMS. They combine the regulatory and taxation benefits of mutual funds with the strategic flexibility of alternative funds. SIFs allow fund houses to launch strategies across equity, debt, and hybrid categories , with controlled use of derivatives and limited short exposure. Equity-Oriented Strategies Equity Long-Short Fund Open-ended or interval strategy. Minimum 80% investment in equity and equity-related instruments. Can take short positions through unhedged derivatives up to 25%. Equity Ex-Top 100 Long-Short Fund Focuses on companies outside the top 100 by market capitalization. Minimum 65% allocation to equity in this segment. Short exposure allowed up to 25%. Sector Rotation Long-Short Fund Concentrated strategy investing in a maximum of four sectors. At ...

Specialized Investment Funds (SIFs) – A New Era in Indian Investing Specialized Investment Funds (SIFs) have officially entered India, creating a middle ground between mutual funds and portfolio management services. They combine the governance and tax benefits of mutual funds with the strategic flexibility of alternative investment funds (AIFs). 1. qSIF Equity Long-Short Fund Launch: September 17, 2025 NFO closes: October 1, 2025 Category: Flexi-cap equity long-short strategy Objective: To benefit from both rising and falling markets. Asset Allocation: 65–100% in all-cap cash equity/equity arbitrage 0–35% in all-cap unhedged derivative strategies (long) 0–25% in all-cap unhedged derivative strategies (short) 0–100% in hedging 0–15% in margins (cash, T-bills, G-secs) Minimum equity exposure (Long + Short): 80% Benchmark: Nifty 500 TRI Fund Managers: Sandeep Tandon, Lokesh Garg, Sameer Kate, Ankit Pande, Sanjeev Sharma 2. Altiva Hyb...