Mutual Fund Calculator: Creating a huge wealth through small investments is the basic idea behind mutual funds SIP (systematic investment plan). However, the way mutual fund returns have gotten hit in the last one year, SIP investors have been under doubt whether they should stop their monthly SIP contribution for a while or continue without bothering about the dipping mutual funds SIP returns. According to the tax and investment experts, one should not bother about the dipping mutual fund returns and continue investing through their monthly SIP as they are investing for the long-term and in the long-term like 15 to 20 years, a  mutual fund SIP would give at least 12 per cent returns on one's money. However, they said that one should think of putting a lump sum amount (if they have) for the long-term as the market at the lower end would help get a higher number of NAV (Net Asset Value).

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Advising new mutual fund investors to start with a lump sum amount and then continuing mutual fund SIP in the same SEBI registered tax and investment expert Jitendra Solanki said, "When the market is at low, one should start mutual funds SIP with a lump sum amount and then continue with the mutual fund SIP in the same for long. It would help the investor to maximize one's mutual fund returns as the market at the downhill helps get more NAV."

On what could be the possible change that a lump sum and the mutual fund SIP in the same plan would result in mutual fund returns Solanki said, "Lump sum money in lakh should be changed in thousand while going for the SIP. it would lead to doubling of the maturity amount. For example, if a person invests Rs 1 lakh lump sum then he should do mutual funds SIP of Rs 1,000 to Rs 1,500 for the same period."

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On how much one can expect to earn from long-term mutual fund SIP and lumpsum investment another SEBI registered tax and investment expert Manikaran Singhal said, "In the long-term say 15 to 20 years, one can expect to get at least 12 per cent mutual fund returns, if the fund has been chosen after proper due diligence."

So, assuming the 12 per cent return on one's mutual funds SIP and lump sum for a period of 20 years, if a person invests Rs 5 lakh in lump sum and invests Rs 6,000 in SIP, then as per the mutual fund calculator its Rs 5 lakh would become Rs 48,23,146.547.

Source: Mutual Fund Calculator SBI

And if the person begins Rs 6,000 monthly SIP in the same mutual fund plan for the same 20 years, its mutual fund SIP calculator says that the maturity amount will be Rs 59,94,887.514.

Source: Mutual Fund SIP Calculator SBI

So, if a person does both Rs 5 lakh lump sum investment and Rs 6,000 mutual funds SIP, then he or she can get a maturity amount of Rs 1,08,18,034.061 or Rs 1.08 crore after 20 years of disciplined investment.