Rs 4,444 SIP vs Rs 3,333 Step Up SIP: Which will give higher return in 25 years? See estimates for 12%, 13%, 14% and 15% annualised returns
SIP vs Step-Up SIP: If you want to invest for the future without compromising your daily needs, then proper financial planning is essential. Currently, there are many investment options available in the market. However, if you aim to build a substantial corpus through regular and disciplined investing, mutual fund SIPs can be a good choice. There are two mainly types of SIPs: Regular SIP and Step-Up SIP. In this write-up, we will explain, with calculations, which type of SIP will provide higher returns over 25 years.
(Disclaimer: This is not investment advice. The calculations presented are projections. Please do your own due diligence or consult a financial advisor for personalized advice.)
What is SIP?
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What is Step-Up SIP?
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Regular SIP: How much money will you accumulate in 25 years with a monthly SIP of Rs 4,444, assuming an annualised return of 12%?
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Regular SIP: How much money will you accumulate in 25 years with a monthly SIP of Rs 4,444, assuming an annualised return of 13%?
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Regular SIP: How much money will you accumulate in 25 years with a monthly SIP of Rs 4,444, assuming an annualised return of 14%?
![Regular SIP: How much money will you accumulate in 25 years with a monthly SIP of Rs 4,444, assuming an annualised return of 14%? Regular SIP: How much money will you accumulate in 25 years with a monthly SIP of Rs 4,444, assuming an annualised return of 14%?](https://cdn.zeebiz.com/ads/placeholder_image-zeebiz.jpg)
Regular SIP: How much money will you accumulate in 25 years with a monthly SIP of Rs 4,444, assuming an annualised return of 15%?
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Step-UP SIP Calculations
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Step-Up SIP: How much money will you accumulate in 25 years with a monthly SIP of Rs 3,333, assuming an annualised return of 12%?
![Step-Up SIP: How much money will you accumulate in 25 years with a monthly SIP of Rs 3,333, assuming an annualised return of 12%? Step-Up SIP: How much money will you accumulate in 25 years with a monthly SIP of Rs 3,333, assuming an annualised return of 12%?](https://cdn.zeebiz.com/ads/placeholder_image-zeebiz.jpg)
Step-Up SIP: How much money will you accumulate in 25 years with a monthly SIP of Rs 3,333, assuming an annualised return of 13%?
![Step-Up SIP: How much money will you accumulate in 25 years with a monthly SIP of Rs 3,333, assuming an annualised return of 13%? Step-Up SIP: How much money will you accumulate in 25 years with a monthly SIP of Rs 3,333, assuming an annualised return of 13%?](https://cdn.zeebiz.com/ads/placeholder_image-zeebiz.jpg)
Step-Up SIP: How much money will you accumulate in 25 years with a monthly SIP of Rs 3,333, assuming an annualised return of 14%?
![Step-Up SIP: How much money will you accumulate in 25 years with a monthly SIP of Rs 3,333, assuming an annualised return of 14%? Step-Up SIP: How much money will you accumulate in 25 years with a monthly SIP of Rs 3,333, assuming an annualised return of 14%?](https://cdn.zeebiz.com/ads/placeholder_image-zeebiz.jpg)
Step-Up SIP: How much money will you accumulate in 25 years with a monthly SIP of Rs 3,333, assuming an annualised return of 15%?
![Step-Up SIP: How much money will you accumulate in 25 years with a monthly SIP of Rs 3,333, assuming an annualised return of 15%? Step-Up SIP: How much money will you accumulate in 25 years with a monthly SIP of Rs 3,333, assuming an annualised return of 15%?](https://cdn.zeebiz.com/ads/placeholder_image-zeebiz.jpg)