SIPs or systematic investment is a preferred way of investing in equity mutual funds for most investors. This method helps investors to invest a particular amount regularly in the market irrespective of the market conditions. It is the easiest and perhaps the only proven way to create wealth over a long period of time.
ETMutualFunds did some data crunching and found top 10 mutual funds that offered good returns in a five year horizon. These 10 schemes offered returns ranging between 33.22%-48.52% in five years.
A monthly SIP of Rs 10,000 in Quant Small Cap Fund would have grown to Rs 19.01 lakh in a five year period with a XIRR of 48.52%. Quant Mid Cap Fund offered 37.46%. A monthly SIP of Rs 10,000 would have now been Rs 14.81 lakh.
Nippon India Small Cap Fund, the largest scheme in the small cap category based on assets managed, would have made a monthly SIP of Rs 10,000 to Rs 14.79 lakh. The next two schemes were from Quant Mutual Fund. Quant Flexi Cap Fund and Quant ELSS Tax Saver Fund offered 36.51% and 35.88% respectively.
Around 198 equity mutual fund schemes completed five years of existence in the market. These top 10 schemes were from small cap, mid cap, flexi cap, ELSS, contra fund categories.
For the analysis, we considered equity categories like large cap, mid cap, small cap, large & mid cap, focused fund, ELSS, multi cap, flexi cap, value, and contra fund. We calculated the XIRR returns for the investments made through SIP. Regular and growth option schemes were considered for the analysis. The XIRR returns for five years were calculated for the period starting from February 22, 2019 to February 22, 2024.
Note, the above exercise is not a recommendation. The purpose of the exercise was to find the top 10 equity schemes for SIP in 5 years. One should not make investment or redemption decisions based on the above exercise.
One should always consider risk appetite, investment horizon and goal before making investment decisions. Past performance of the scheme does not guarantee future performance.
FAQs
Best SIP Plans for 5 Years to invest (Equity)
| Fund | AUM (In Crs) | 5 Yr Return (%) |
|---|
| Motilal Oswal Midcap Direct Growth | ₹9819 Cr | 29.83 % |
| Nippon India Small Cap Fund - Direct Plan - Growth Plan | ₹50423 Cr | 33.66 % |
| Quant Mid Cap Fund Growth Option Direct Plan | ₹6920 Cr | 37.17 % |
| Quant Small Cap Fund Growth Option Direct Plan | ₹20164 Cr | 42.41 % |
1 more rowHighest Return Mutual Funds in Last 5 Years
| Fund Name | 3 Years Return | 5 Years Return |
|---|
| Quant Active Fund (G) | 25.0% | 30.0% |
| Quant Multi Asset Fund (G) | 25.6% | 29.0% |
| Motilal Oswal Midcap fund (G) | 36.2% | 27.9% |
| ICICI Prudential Infrastructure Fund (G) | 39.1% | 27.9% |
16 more rows2. What Are The Top Performing Mutual Funds In Last 10 Years? Over the past decade, Nippon India Small Cap Fund, HDFC Small Cap Fund, Nippon India Growth Fund, SBI Magnum Midcap Fund, and HSBC Value Fund have emerged as top-performing mutual funds.
What are the top 5 performing mutual funds? ›
5 Best Mutual Funds to Buy Now
| Mutual Fund | Assets Under Management | Expense Ratio |
|---|
| Vanguard Total Stock Market Index Fund (VTSAX) | $1.6 trillion | 0.04% |
| Fidelity 500 Index (FXAIX) | $512.4 billion | 0.015% |
| Fidelity ZERO International Index (FZILX) | $4 billion | 0% |
| American Funds Bond Fund of America (ABNDX) | $82.6 billion | 0.62% |
1 more rowYou also have n = 10 years or 120 months. FV = Rs 1,84,170. So, the future value of a SIP investment of Rs 1,000 per month for 10 years at an estimated rate of return of 8% is Rs 1,84,170.
What if I invest 30 000 a month in SIP for 5 years? ›
If you invest ₹30,000 per month in a Systematic Investment Plan (SIP) for a period of 5 years, assuming an average annual return of 12% on your SIP investment, using the SIP calculator, your returns will be: Your invested amount will be: ₹18,00,000. Estimated Returns will be will be: ₹6,74,591.
Which mutual funds give 30% return? ›
4 equity mutual funds offered over 30% returns in 3 & 5 years
- IANS. 1/6. Top Gainers. ...
- iStock. 2/6. Nippon India Small Cap Fund. ...
- iStock. 3/6. Quant Flexi Cap Fund. ...
- Getty Images. 4/6. Quant Mid Cap Fund. ...
- iStock. 5/6. Quant Small Cap Fund. ...
- Agencies. 6/6. Interested to invest?
Best retirement income funds
- Vanguard LifeStrategy Income Fund (VASIX).
- Vanguard Target Retirement Income Fund (VTINX).
- Fidelity Freedom Index Income Fund Investor Class (FIKFX).
- Schwab Monthly Income Fund Income Payout (SWLRX).
- Schwab Monthly Income Fund Flexible Payout (SWKRX).
These seven low-risk but potentially high-return investment options can get the job done:
- Money market funds.
- Dividend stocks.
- Bank certificates of deposit.
- Annuities.
- Bond funds.
- High-yield savings accounts.
- 60/40 mix of stocks and bonds.
Here's the list of top 10 best mutual funds to invest in 2024:
- HDFC Mid-Cap Opportunities Fund.
- Parag Parikh Flexi Cap Fund.
- ICICI Pru Bluechip Fund.
- HDFC Flexi Cap Fund.
- Nippon India Small Cap Fund.
- HDFC Balanced Advantage Fund.
- ICICI Prudential Equity & Debt Fund.
- ICICI Prudential Corporate Bond Fund.
If you invest Rs 1000 for 20 years , if we assume 12 % return , you would get Approx Rs 9.2 lakhs. Invested amount Rs 2.4 Lakh.
What is the highest paying mutual fund? ›
Best-performing U.S. equity mutual funds
| Ticker | Name | 5-year return (%) |
|---|
| MAEIX | MoA Equity Index Fund | 13.40% |
| BSPSX | iShares S&P 500 Index Service | 13.33% |
| VLACX | Vanguard Large Cap Index Investor | 13.30% |
| GRMSX | Nationwide S&P 500 Index Svc | 12.92% |
3 more rowsMay 1, 2024
Top Mutual Fund Houses in India
| S.No. | Mutual Fund House |
|---|
| 1. | SBI Mutual Fund |
| 2. | ICICI Prudential Mutual Fund |
| 3. | HDFC Mutual Fund |
| 4. | Aditya Birla Sun Life Mutual Fund |
6 more rowsMay 16, 2024
BlackRock Exchange Portfolio (STSEX)
Easily one of the top-rated examples of the safest mutual funds, the BlackRock Exchange Portfolio (MUTF:STSEX) seeks long-term growth of capital and consequent long-term growth of income, per its prospectus.
Which mutual fund is best for 5 years? ›
List of Long Duration Duration Mutual Funds in India
| Fund Name | Category | Risk |
|---|
| SBI Long Term Equity Fund | Equity | Very High |
| Motilal Oswal Large and Midcap Fund | Equity | Moderately High |
| ICICI Prudential Large & Mid Cap Fund | Equity | Very High |
| ICICI Prudential Value Discovery Fund | Equity | Very High |
12 more rowsDSP Flexi Cap Fund Direct Plan-Growth
Returns since inception: The fund has provided average annual returns of 15.66% since its launch. Minimum investment: The minimum SIP investment is ₹500.
How to make 1 crore in 5 years in SIP? ›
Kukreja says since debt funds usually generate lower returns than equity funds for investment horizons of 5 years or more. Thus, assuming an annualised returns of 7 per cent from debt funds, an investor would need to invest Rs 1.40 lakh per month through SIP to create a corpus of Rs 1 crore in 5 years.
How to get 50 lakhs in 5 years with SIP? ›
For example, if an individual plan to accumulate ₹50 lakhs over the tenure of 5 years, assuming the individual invests in a Flexicap fund or a Multicap fund which is giving an annualized return of 15%, then the individual needs to invest ₹55,750 per month for 5 years in order to generate the required corpus.
What if I invest $5,000 in SIP for 5 years? ›
How much is Rs. 5,000 for 5 years in SIP? If you invest Rs. 5,000 per month through SIP for 5 years, assuming 12% return. The estimate total returns will be Rs. 1,12,432 and the estimate future value of your investment will be Rs. 4,12,431.
