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 know👇 ✍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 Much to Invest in SIP per month?




How Much Should You Invest in SIP Every Month? 

If you’re planning to grow your wealth steadily, Systematic Investment Plans (SIPs) are one of the smartest and easiest ways to get started. 

But the biggest question everyone asks is: “How much should I invest in SIP every month?” The answer is ,it depends on your goals, income , and comfort level with saving.




1. Start With Your Financial Goals

Before deciding an amount, set a clear  goal about what you want to achieve.
Are you saving for education, a dream gadget, a trip, or long-term wealth?
(see Goal based SIP )

Once your goal is clear, calculate how much money you will need and how many years you have. This helps you understand the monthly SIP amount required.

2. Follow the 50:30:20 Rule

A simple way to budget is the famous 50:30:20 rule:

  • 50% for needs,
  • 30% for wants,
  • 20% for savings and investments.
    From this “20%,” you can comfortably decide your SIP amount. For many people, even starting with ₹500 or ₹1000 per month is a great beginning.
                 
               ☝️ Power of SIP

Only for illustration, consult expert advice before investing


3. Increase Your SIP as Your Income Grows

To stay ahead of inflation, try a Step-Up-SIP when you start SIP, where you increase your monthly investment every year by pre-determined percentage or amount. Even a small yearly increase can create a big difference in the long run.

4. Choose an Amount You Can continue With

Consistency is the real magic of SIPs. Pick an amount that doesn’t disturb your monthly life. SIPs work best when it is continued without breaks.

☝️You may know

5. Use Online SIP Calculators

Free SIP calculators can help you check how much you should invest monthly to reach your target. This makes planning fast and simple.


Final Thought:
There is no “perfect” SIP amount for everyone. Start small, stay consistent, and increase as you grow. Your future self will thank you!

👉Free SIP guide for beginners”



For Query:Ask in comment or email at sipthefuturewealth@gmail.com

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 How & where to start

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