Which one to choose? High NAV or Cheap NAV

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What Is NAV and Why Does It Matter? Whenever you check the performance of a mutual fund or SIP, you’ve probably seen the term NAV .  But  ✍what exactly does it mean, and  ✍why do investors talk about it so much?  Understanding NAV is essential for making smart investment decisions—especially if you want to grow wealth confidently and avoid common beginner mistakes. You may also know๐Ÿ‘‡ ✍What Is NAV? NAV (Net Asset Value) is the per-unit value of a mutual fund or in other word say it is the price of one unit of a fund on any given day. When you invest in SIP/Mutul fund, you will get fixed numbers  of units(Decided by  NAV price of that day) ✍How NAV calculated? It is calculated using a simple formula: NAV = (Total Assets – Total Liabilities) ÷ Number of Units  Every business day, after the market closes, AMCs calculate and publish updated NAVs for each scheme. ✍Does a Higher or Lower NAV Mean Better Returns? One of the biggest misconceptions among n...
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How to Avoid the Cost of Delay

A big mistake in SIP:Delay starting

A big mistake in SIP investment is that most of us think that we will start SIP  when we will get more money,having less expenses or when market behaviour will change. This  leads to getting delay of  your investment journey.But we never realise that our  delay of a few months or years how much reduce the final corpus due to the power of compounding. 

What is the Cost of Delay in SIP?

Why Every Month Matters for our Wealth?

cost of delay in starting SIP is real and can cost us lakhs — even crores — in the long run. The best time to start our SIP was yesterday, the next best time is today. Even a small start can lead to big wealth creation if we give our investments time to grow.

Since SIPs work on the principle of compounding, starting early means our money gets more time to grow. Every missed month or year means losing out on compounded gains that could have multiplied over long period.

Let’s take an example:How delay impact our wealth

  • SIP Amount: ₹10,000 per month
  • Expected Average Return: 15% p.a.
  • Investment Duration: 25 years

Scenario 1: Start Today

If we start now, our corpus after 25 years will be around ₹2.76 crore.

Scenario 2: Delay by 5 Years

If we start after 5 years (only 20 years of investing), our corpus will be only ₹1.33 crore.

Difference: ₹1.43 crore lost — just because of  waiting 5 years to start.

This is the cost of delay – We not only miss the invested amount but also the compounding on it.

Why Starting Early is Crucial

  1. Power of Compounding – The earlier we start, the longer our money works for us.
  2. Small Amounts Grow Big – Even modest SIPs become large over time.
  3. Less Financial Pressure Later – Starting early means we can invest smaller amounts to reach the same goal.
  4. Beat Inflation – Long-term SIPs in equity mutual funds generally outperform inflation.

How to Avoid the Cost of Delay

  • Start with What You Have – Don’t wait to accumulate a big amount. Start with even ₹500 or ₹1,000.
  • Automate Investments – Set an auto-debit so you never miss a month.
  • Increase SIP Amount Over Time – Use step-up SIP to grow our investment annually.
  • Invest for Long Term – Stay invested for at least 10-15 years to harness compounding.

Don’t wait for the “right time” — start now and let time and compounding work in our favor.

Register now with fully online plateform AssetPlus having full assistance of dedicated distributor.

Free register for expert guidance  & investment.

๐Ÿ‘‰For query:Email us at sipthefuturewealth@gmail.com

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