Hit PAUSE instead of STOP on your SIP today, for a Secure Tomorrow

Posted On Tuesday, Oct 27, 2020

Share:

Times are tough. The lockdown may have curtailed your earnings, and the future is uncertain. We understand that it may be time to tap into savings and we want to help.

Quantum Mutual Fund gives you the option to PAUSE your SIP.

Pausing your SIP will help you tide over urgent cash needs, without hampering your future financial goals too much.

As per Nielson's PGIM Survey, it is estimated that 1 in 5 Indians are unprepared for retirement and do not factor inflation in their retirement plan.

Let’s consider this hypothetical example of investor Ajay who has goal of saving for his retirement.

Assume he has availed a SIP option of investing Rs.2000 per month at an assumed rate of return of 12%. He has three choices: CONTINUE, PAUSE, DISCONTINUE or REDEEM his SIP

DetailsDiscontinues or Redeems full amountSIP PAUSED but retains corpusSIP Continues
SIP Investment Started onOctober 1, 2015October 1, 2015October 1, 2015
SIP Amount Per MonthRs. 2,000Rs. 2,000Rs. 2,000
Expected Return on Investment12%12%12%
Investment Amount as on 30/09/2020? 164,972.73? 164,972.73? 164,972.73
After 30 years, the corpus is worthNA? 2,804,547.09? 7,059,827.55
Total Amount Invested1,20,0001,20,0007,20,000

Note: The table is for illustrative purposes only. Investments through SIP is subject to market risk and does not assure a profit or returns or protection against a loss in downturn market.

If Ajay is in need of funds, he should PAUSE further contributions to the SIP, however retain the corpus to the extent possible, so that he is able to grow his wealth for the future goals.

Top 5 reasons why investors should continue their SIPs


Brings discipline

Helps you invest in a phased and organized manner

Avoid timing markets

You don’t need to time to markets and waste time deciding where to invest

Rupee cost averaging

SIP buys more units when the market is low and less when market is high, bringing down your average cost per unit.

Power of Compounding

Make the most of compounding to achieve long term goals

Achieve goals

Diversify your portfolio to meet any goals – long-term, short-term, tax-saving or emergency.

If there is anything, the current pandemic has taught us, it is about planning for our future. There is nothing worse than being unprepared. Investors now realize that it is imperative to protect and grow their hard earned money. Staying invested in your SIPs is critical to reap the maximum benefits of any market condition.

Give a boost to your goals and continue your SIPs.


Disclaimer, Statutory Details & Risk Factors:

The views expressed here in this article / video are for general information and reading purpose only and do not constitute any guidelines and recommendations on any course of action to be followed by the reader. Quantum AMC / Quantum Mutual Fund is not guaranteeing / offering / communicating any indicative yield on investments made in the scheme(s). The views are not meant to serve as a professional guide / investment advice / intended to be an offer or solicitation for the purchase or sale of any financial product or instrument or mutual fund units for the reader. The article has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable. Whilst no action has been solicited based upon the information provided herein, due care has been taken to ensure that the facts are accurate and views given are fair and reasonable as on date. Readers of this article should rely on information/data arising out of their own investigations and advised to seek independent professional advice and arrive at an informed decision before making any investments.

Mutual fund investments are subject to market risks read all scheme related documents carefully.

Please visit – www.QuantumAMC.com to read scheme specific risk factors. Investors in the Scheme(s) are not being offered a guaranteed or assured rate of return and there can be no assurance that the schemes objective will be achieved and the NAV of the scheme(s) may go up and down depending upon the factors and forces affecting securities market. Investment in mutual fund units involves investment risk such as trading volumes, settlement risk, liquidity risk, default risk including possible loss of capital. Past performance of the sponsor / AMC / Mutual Fund does not indicate the future performance of the Scheme(s). Statutory Details: Quantum Mutual Fund (the Fund) has been constituted as a Trust under the Indian Trusts Act, 1882. Sponsor: Quantum Advisors Private Limited. (liability of Sponsor limited to Rs. 1,00,000/-) Trustee: Quantum Trustee Company Private Limited. Investment Manager: Quantum Asset Management Company Private Limited. The Sponsor, Trustee and Investment Manager are incorporated under the Companies Act, 1956.

Above article is authored by Quantum.

View All

  • Do You Need to Update Your KYC?
    Do You Need to Update Your KYC?

    Posted On Friday, Apr 26, 2024

    New KYC Regulation Effective April 1st 2024

    Read More
  • Are You Stuck in the Past or Ready for a Secure Future?
    Are You Stuck in the Past or Ready for a Secure Future?

    Posted On Wednesday, Jun 29, 2022

    The ever-growing number of mutual fund schemes on offer has made it challenging for investors to select the best and most suitable one.

    Read More
  • Received an Increment? Step-up Your SIPs
    Received an Increment? Step-up Your SIPs

    Posted On Wednesday, Jun 01, 2022

    For instance, let’s assume that you have registered for a monthly SIP of Rs 5,000 for a 10-year period and later on try to step-up the SIP at an annual frequency, say by Rs 500. In the first year...

    Read More

Add To Cart

Add To Cart

Your cart is empty
Total of Lumpsum
Amount

Get In Touch

Take small steps in your financial planning to achieve big dreams! Start your investment journey today!

@@tlcomstart@@ @@tlcomend@@