Systematic Investment Plan

June 2022
 Investment Return & Investor Return Relation

“Typically, the studies find that the returns investors have earned over time are much lower than the returns of the
average investment.”
― Carl Richards.
Focus On Music Not On Noise
Journey of Nifty 50 for 27 Years
Nifty 50
Years Yr 1 Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 7 Yr 8 Yr 9 Yr 10 Yr 11 Yr 12 Yr 13 Yr 14 Yr 15 Yr 16 Yr 17 Yr 18 Yr 19 Yr 20 Yr 21 Yr 22 Yr 23 Yr 24 Yr 25 Yr 26 Yr 27 Yr 28
1995 -23% -13% -3% -7% 5% 1% -2% -1% 5% 6% 8% 11% 14% 7% 10% 11% 8% 9% 9% 10% 9% 9% 10% 10% 10% 10% 10% 10%
1996 -1% 9% -1% 13% 7% 3% 3% 10% 10% 12% 14% 17% 10% 13% 14% 11% 12% 11% 12% 11% 11% 12% 11% 11% 12% 12% 12%
1997 20% -1% 18% 9% 3% 3% 11% 11% 14% 16% 19% 10% 14% 15% 12% 12% 12% 13% 12% 12% 12% 12% 12% 12% 13% 12%
1998 -18% 17% 5% 0% 0% 10% 10% 13% 16% 19% 10% 14% 14% 11% 12% 12% 13% 12% 11% 12% 12% 12% 12% 12% 12%
1999 67% 20% 6% 5% 16% 15% 18% 21% 24% 13% 17% 18% 14% 15% 14% 15% 14% 13% 14% 13% 13% 13% 14% 14%
2000 -15% -15% -10% 6% 7% 11% 15% 19% 8% 13% 14% 10% 11% 11% 12% 11% 11% 12% 11% 11% 11% 12% 12%
2001 -16% -7% 14% 13% 18% 21% 25% 11% 17% 17% 13% 14% 13% 14% 13% 12% 13% 13% 13% 13% 13% 13%
2002 3% 33% 25% 28% 30% 34% 16% 22% 22% 16% 17% 16% 17% 15% 15% 15% 15% 15% 15% 15% 15%
2003 72% 38% 37% 38% 41% 18% 25% 24% 17% 18% 17% 18% 16% 15% 16% 15% 15% 15% 16% 15%
2004 11% 23% 28% 34% 9% 18% 18% 12% 14% 13% 14% 13% 12% 13% 12% 12% 13% 13% 13%
2005 36% 38% 43% 9% 20% 20% 12% 14% 13% 15% 13% 12% 13% 13% 12% 13% 13% 13%
2006 40% 47% 1% 16% 17% 8% 11% 10% 13% 11% 10% 12% 11% 11% 11% 12% 12%
2007 55% -14% 9% 12% 3% 7% 7% 10% 8% 8% 9% 9% 9% 9% 10% 10%
2008 -52% -8% 0% -7% -1% 0% 4% 3% 3% 6% 5% 6% 7% 8% 8%
2009 76% 44% 16% 19% 16% 19% 15% 14% 15% 14% 14% 14% 15% 14%
2010 18% -6% 4% 5% 10% 7% 7% 9% 9% 9% 9% 11% 10%
2011 -25% -2% 1% 8% 5% 5% 8% 7% 8% 9% 10% 10%
2012 28% 17% 21% 14% 12% 15% 13% 13% 13% 14% 14%
2013 7% 18% 10% 9% 12% 11% 11% 11% 13% 12%
2014 31% 12% 9% 14% 11% 12% 12% 13% 13%
2015 -4% -1% 8% 7% 8% 9% 11% 11%
2016 3% 15% 11% 11% 12% 14% 13%
2017 29% 15% 14% 14% 16% 16%
2018 3% 7% 10% 13% 13%
2019 12% 13% 17% 16%
2020 15% 19% 17%
2021 24% 20%
2022* 1%

Average 14% 13% 12% 12% 12% 12% 12% 12% 13% 13% 13% 13% 13% 12% 12% 12% 13% 13% 13% 13% 12% 12% 12% 12% 12% 11% 11% 10%
% of Positive
71% 67% 85% 88% 96% 100% 95% 95% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
Observations
Disclaimer: Past performance may or may not be sustained in future,
*2022 returns are as of 30th April 2022
Journey of HDFC Flexi Cap Fund for 27 Years
HDFC Flexi Cap
Years Yr 1 Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 7 Yr 8 Yr 9 Yr 10 Yr 11 Yr 12 Yr 13 Yr 14 Yr 15 Yr 16 Yr 17 Yr 18 Yr 19 Yr 20 Yr 21 Yr 22 Yr 23 Yr 24 Yr 25 Yr 26 Yr 27 Yr 28
1995 -29% -26% -13% -2% 19% 11% 9% 11% 20% 21% 24% 25% 27% 19% 23% 24% 20% 21% 20% 21% 20% 19% 20% 19% 18% 18% 18% 18%
1996 -23% -3% 9% 35% 22% 17% 18% 28% 28% 31% 32% 33% 24% 28% 28% 24% 24% 23% 25% 23% 22% 23% 22% 21% 20% 21% 21%
1997 23% 30% 63% 36% 27% 27% 38% 37% 39% 39% 40% 29% 33% 33% 28% 28% 27% 28% 26% 25% 26% 24% 23% 23% 23% 23%
1998 38% 88% 41% 29% 28% 41% 39% 41% 41% 42% 29% 34% 34% 28% 29% 27% 28% 26% 25% 26% 24% 23% 23% 23% 23%
1999 156% 43% 26% 25% 41% 39% 42% 41% 42% 28% 34% 34% 28% 28% 26% 28% 26% 25% 25% 24% 23% 22% 22% 22%
2000 -20% -12% -1% 22% 23% 29% 30% 32% 19% 26% 26% 20% 21% 20% 22% 20% 19% 20% 19% 18% 18% 18% 18%
2001 -3% 10% 40% 37% 41% 41% 42% 25% 32% 32% 25% 26% 24% 26% 23% 22% 23% 22% 21% 20% 21% 21%
2002 24% 68% 53% 55% 51% 52% 30% 37% 36% 28% 29% 26% 28% 26% 24% 25% 23% 22% 21% 22% 22%
2003 126% 70% 67% 59% 58% 30% 39% 38% 29% 29% 27% 29% 26% 24% 25% 23% 22% 21% 22% 22%
2004 28% 44% 41% 44% 17% 28% 29% 20% 21% 19% 22% 20% 19% 20% 18% 17% 17% 18% 18%
2005 63% 49% 50% 14% 29% 29% 19% 21% 19% 22% 19% 18% 19% 18% 17% 16% 17% 17%
2006 36% 44% 2% 21% 23% 13% 16% 14% 18% 15% 15% 16% 15% 14% 14% 15% 15%
2007 54% -12% 17% 20% 9% 12% 11% 16% 13% 13% 15% 13% 13% 12% 14% 14%
2008 -50% 2% 10% -1% 6% 5% 11% 9% 9% 11% 10% 10% 9% 11% 11%
2009 106% 63% 25% 27% 22% 27% 22% 20% 22% 19% 18% 17% 18% 18%
2010 29% -3% 8% 7% 15% 12% 11% 14% 12% 11% 11% 13% 13%
2011 -27% -1% 1% 12% 8% 8% 12% 10% 9% 9% 11% 11%
2012 34% 18% 29% 19% 17% 20% 16% 15% 14% 16% 16%
2013 4% 26% 15% 13% 17% 14% 13% 12% 14% 14%
2014 54% 21% 16% 21% 16% 14% 13% 16% 16%
2015 -5% 1% 12% 8% 8% 7% 11% 11%
2016 7% 21% 12% 11% 10% 14% 14%
2017 37% 15% 12% 11% 15% 15%
2018 -4% 2% 3% 11% 11%
2019 7% 7% 16% 16%
2020 6% 20% 20%
2021 36% 32%
2022* 4%

Average 25% 23% 22% 22% 22% 22% 22% 22% 23% 22% 22% 22% 22% 22% 22% 22% 22% 22% 22% 22% 22% 21% 21% 22% 21% 21% 20% 18%
% of Positive
71% 78% 92% 92% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
Observations
Disclaimer: Past performance may or may not be sustained in future,
*2022 returns are as of 30th April 2022
SIP –The Wealth Builder-Across all market cycles

Monthly SIP Amount: INR 10,000/- on the 1st of every month

Market Phases Period SIP XIRR(%) Amount of Investment (INR) Market Value (INR)

Flat Markets 01-Jan-11 to 31-Dec-14 19.14 4,80,000 7,00,295

European Crisis 01-Jan-15 to 31-May-17 12.36 2,90,000 3,36,446

Bull Period 01-Jun-17 to 31-Dec-19 12.73 3,10,000 3,65,065

Covid Crisis 01-Jan-20 to 31-Dec-20 61.89 1,20,000 1,57,155

Over the Decade 01-Jan-11 to 31-Dec-20 13.58 12,00,000 24,38,806

• Although there has been market correction multiple times, but SIP has always
emerged victorious and battled strongly through all market cycles.

• This signifies staying invested across all market cycles helps to generate positive yields.

* SIP Data of S&P BSE Sensex TRI has been considered

How can we build a bigger corpus- By Starting to Invest Early

SIP in S&P BSE Sensex TRI Early Starter Late Starter

Amount Invested (INR) 10,000 20,000

Date of Investment 01-01-2000 01-01-2010

No.of.SIP Installments 269 149

Total Amount Invested (In INR Lakhs) 26.90 29.80

Market Value of Investment in INR

185.62 70.00
Lakhs (As on 31st May, 2022)

XIRR 14.85% 12.94%

Cost of Delay(In INR Lakhs) 115.62

• By starting early, the Investor’s wealth grew 2.65 times that of the investor who started
late.
• Compounding helps to create wonders – So starting early even with a small amount
helps the wealth to grow in the long run.

Cost of Delay= Market Value of Investment of Early Starter-Market Value of Investment of Late Starter

Source: AceMF / Data as on 31st May 2022.

 What is an SIP?

A Systematic Investment Plan or better known as SIP is based on the simple idea of investing a
fixed amount at fixed intervals, for a long time to achieve long-term benefits.

• Lighter on the wallet.

• Makes market timing irrelevant.
• Enables rupee-cost averaging.
• Benefits from power of compounding.
• Helps in goal planning.
Why SIP ?
 SIP Data From 1st Jan-2007 – 31st May-2022

Monthly SIP Amount: INR 10,000/- on 1st of every month

1st Jan 2007-31st Dec 2008 1st Jan 2007-31st Dec 2012 1st Jan 2007-31st May 2022
Sub Asset Class Scheme Name Amount Invested INR 2,40,000 Amount Invested INR 7,20,000 Amount Invested INR 18,50,000
Market Value XIRR% Market Value XIRR% Market Value XIRR%
Large Cap Fund Aditya Birla SL Focused Equity Fund 1,71,198 -29 10,16,978 11 54,87,006 13

Flexi Cap Fund HDFC Flexi Cap Fund 1,70,378 -29 10,91,127 14 59,73,743 14

Mid Cap Fund Kotak Emerging Equity Fund* 1,22,867 -47 9,60,606 11 76,27,747 17

*Kotak Emerging Equity Fund – Data is from 1st April,2007.

Amount Invested in this fund from 1st April,2007-31st Dec,2008 – INR 2,10,000
Amount Invested in this fund from 1st April,2007-31st Dec,2012– INR 6,90,000
Amount Invested in this fund from 1st April,2007-31st May,2022 – INR 18,20,000

Category Funds Returns (%)

14 14 17
11 11 13

• The graph shows that all the funds had given

1st Jan 2007-31st Dec 2008 1st Jan 2007-31st Dec 2012 1st Jan 2007-31st May 2022
negative returns from 2007-2008,when the
market had a downturn, but as the Investment
tenure increased, all of them had given positive
-29 -29 high returns from 2007-2022.

-47 • This indicates that staying invested for a long

time had always yielded higher and positive
Large Cap Fund Flexi Cap Fund Mid Cap Fund returns.
SIP Monthly Update

o Large cap Funds

o Flexi Cap/Multi cap Funds

o Mid cap Funds

o Small cap Funds

o Hybrid Funds

o Debt-Corporate Bond Fund

o Debt-Banking & PSU Fund

 SIP Top Recommendations (1/2)
Monthly SIP Amount: INR 10,000/- Frequency: 1st of Every Month Returns as on: 31st May, 2022 N/A: Data not Available
3 Years 5 Years 7 Years 10 Years
Amount Amount Amount
Sub Asset Class Scheme Name
Amount Invested INR 3,60,000 Invested INR 6,00,000 Invested INR 8,40,000 Invested INR 12,00,000
Market Value XIRR% Market Value XIRR% Market Value XIRR% Market Value XIRR%
Aditya Birla SL Focused Equity Fund 4,57,854 16 8,23,521 13 12,89,603 12 23,66,477 13
Axis Bluechip Fund 4,25,507 11 8,11,238 12 13,23,402 13 24,03,745 13
Large Cap Funds HDFC Top 100 Fund 4,69,184 18 8,26,257 13 12,99,065 12 22,92,927 12
Mirae Asset Large Cap Fund 4,59,200 16 8,38,158 13 13,61,818 14 26,39,579 15
Motilal Oswal Focused 25 Fund 4,27,814 12 7,80,252 10 12,30,602 11 NA NA
Average 4,47,912 15 8,15,885 12 13,00,898 12 24,25,682 13
Aditya Birla SL Flexi Cap Fund 4,56,924 16 8,16,000 12 13,03,272 12 25,40,067 14
Axis Focused 25 Fund 4,21,414 11 7,84,188 11 12,96,235 12 23,78,071 13
Flexi Cap Fund/Multi
HDFC Flexi Cap Fund 5,07,182 24 8,93,043 16 14,05,813 14 25,30,699 14
Cap Funds
Kotak Flexicap Fund 4,48,074 15 8,10,023 12 12,99,273 12 25,20,683 14
Motilal Oswal Flexi Cap Fund 3,97,677 7 6,87,195 5 10,86,313 7 NA NA
Average 4,46,254 14 7,98,090 11 12,78,181 12 24,92,380 14
Axis Midcap Fund 4,84,420 20 9,34,187 18 15,26,012 17 30,74,910 18
HDFC Mid-Cap Opportunities Fund 5,07,475 24 8,90,002 16 14,07,621 14 28,88,776 17
Mid Cap Funds Kotak Emerging Equity Fund 5,25,622 26 9,57,839 19 15,38,736 17 32,69,216 19
Motilal Oswal Midcap 30 Fund 5,40,594 28 9,56,609 19 14,49,444 15 NA NA
PGIM India Midcap Opp Fund 5,97,078 36 11,06,017 25 17,12,069 20 NA NA
Average 5,31,038 27 9,68,931 19 15,26,776 17 30,77,634 18
DSP Small Cap Fund 5,74,125 33 10,01,521 21 15,49,938 17 34,88,602 20
Small Cap Funds HDFC Small Cap Fund 5,34,616 27 9,15,961 17 14,92,944 16 28,92,593 17
Kotak Small Cap Fund 6,07,851 37 11,08,329 25 17,57,776 21 35,50,754 21
Average 5,72,197 33 10,08,604 21 16,00,219 18 33,10,650 19

Data as on 31st May 2022. The schemes have been sorted as per alphabetical order.
 SIP Top Recommendations (2/2)
Monthly SIP Amount: INR 10,000/- Frequency: 1st of Every Month Returns as on: 31st May, 2022 N/A: Data not Available
3 Years 5 Years 7 Years 10 Years
Amount Amount Amount
Sub Asset Class Scheme Name
Amount Invested INR 3,60,000 Invested INR 6,00,000 Invested INR 8,40,000 Invested INR 12,00,000
Market Value XIRR% Market Value XIRR% Market Value XIRR% Market Value XIRR%
Aditya Birla SL Equity Hybrid '95 Fund 4,41,531 14 7,68,569 10 11,76,447 9 21,24,499 11
Hybrid Funds HDFC Hybrid Equity Fund 4,59,394 17 8,08,958 12 12,39,257 11 21,54,846 11
ICICI Pru Equity & Debt Fund 5,21,786 26 9,42,776 18 14,88,464 16 27,58,759 16
Average 4,74,237 19 8,40,101 13 13,01,390 12 23,46,035 13
Aditya Birla SL Corp Bond Fund 3,89,838 5 7,10,695 7 10,83,093 7 17,87,951 8
HDFC Corp Bond Fund 3,87,150 5 7,06,314 6 10,76,678 7 17,75,663 8
Debt - Corporate Bond
ICICI Pru Corp Bond Fund 3,89,408 5 7,06,387 6 10,72,295 7 17,56,159 7
IDFC Corp Bond Fund 3,85,491 5 6,97,067 6 NA NA NA NA
Average 3,87,972 5 7,05,116 6 10,77,356 7 17,73,257 8
Axis Banking & PSU Debt Fund 3,87,137 5 7,05,272 6 10,73,001 7 17,34,125 7
ICICI Pru Banking & PSU Debt Fund 3,88,296 5 7,01,081 6 10,65,276 7 17,55,184 7
Debt - Banking & PSU
IDFC Banking & PSU Debt Fund 3,87,509 5 7,09,570 7 10,75,533 7 NA NA
Kotak Banking and PSU Debt Fund 3,87,410 5 7,06,170 6 10,74,333 7 17,63,486 7
Average 3,87,588 5 7,05,524 6 10,72,036 7 17,50,932 7
S&P BSE SENSEX - TRI 4,65,478 17 8,68,472 15 14,00,025 14 24,46,031 14
NIFTY 50 - TRI 4,69,518 18 8,64,409 15 13,83,900 14 24,15,978 13
Indices NIFTY 100 - TRI 4,68,530 18 8,56,084 14 13,70,757 14 24,31,354 14
NIFTY 500 - TRI 4,80,413 20 8,68,804 15 13,88,323 14 24,92,407 14
CRISIL Hybrid 35+65 - Aggressive Index 4,43,335 14 8,17,619 12 12,93,706 12 22,67,426 12
Average 4,65,455 17 8,55,078 14 13,67,342 14 24,10,639 13

Data as on 31st May 2022. The schemes have been sorted as per alphabetical order.
 Category Funds Returns

Category Funds Returns (%)

33

27

21
19 19
18 18
17
14
15
14
13
12 12
11 12

3 Yr 5 Yr 7 Yr 10 Yr

Large Cap Fund Flexi Cap/Multi Cap Fund Mid Cap Fund Small Cap Fund

Data as on 31st May, 2022.

 Thank You !
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Awards & Accolades