Choosing the right fund category
Equity (13%)
Invests primarily in stocks. Highest expected return over long horizons, but with significant short-term volatility. Best for goals 7+ years away.
Hybrid (9%)
Mix of equity and debt. Lower volatility than pure equity, suitable for goals 5–7 years away.
Debt (6.5%)
Invests in bonds and fixed-income securities. Very low volatility, suitable for goals under 3 years.
ELSS (12%)
Equity funds with 3-year lock-in, qualifying for Section 80C deduction. Same risk-return profile as flexi-cap equity.
The best SIP calculator is the one you actually use. Run the numbers, understand the math, and start investing today.