Summary of "SIP - कितनी सैलरी पे कितना पैसा कहाँ SIP करें | Fund Allocation Strategy | SAGAR SINHA"

Summary of SIP Investment Strategies and Portfolio Construction by Sagar Sinha

Video Title: SIP - कितनी सैलरी पे कितना पैसा कहाँ SIP करें | Fund Allocation Strategy | SAGAR SINHA

Key Topics Covered

How much SIP (Systematic Investment Plan) to do based on monthly salary and risk profile (low, medium, high).
Detailed portfolio allocation strategies tailored to different income levels and risk appetites.
Explanation of mutual fund categories: Liquid Funds, Nifty 50 Index Funds, Corporate Bond Funds, Flexi Cap Funds, Small Cap Funds, Mid Cap Funds, Sectoral & Thematic Funds, Gold ETFs, and International Market Funds.
Long-term returns and compounding effects over 15, 20, and 25 years.
Common mistakes in SIP investing and risk management.
Free resources and PPTs for detailed fund lists and calculations.

Income and Risk-Based Portfolio Construction Framework

1. Low Risk Investor

Salary: ₹25,000 SIP: ₹5,000/month

Allocation:

60% Liquid Funds (₹3,000) – Safe, low risk, ~6% returns (similar to FD).
20% Nifty 50 Index Fund (₹1,000) – Top 50 companies, ~12% CAGR.
20% Corporate Bond Fund (₹1,000) – Safe, slightly higher returns than liquid funds, ~7%.

Returns (15/20/25 years):

Fund Type Invested (₹) Returns (₹) at 15 Years Returns (₹) at 20 Years Returns (₹) at 25 Years Liquid Funds 5,400 34,000 64,600 1,50,000 Nifty 50 1,800 2,95,000 6,50,000 14,00,000 Corporate Bonds 1,800 3,30,000 5,10,000 7,80,000

2. Medium Risk Investor

Salary: ₹25,000 SIP: ₹5,000/month

Allocation:

50% Dynamic Bond Fund (₹2,500) – Moderate risk bonds, ~7% returns.
30% Nifty 50 Index Fund (₹1,500) – ~12% CAGR.
20% Flexi Cap Fund (₹1,000) – Actively managed across market caps, ~18% CAGR.

Returns (15/20/25 years):

Fund Type Invested (₹) Returns (₹) at 15 Years Returns (₹) at 20 Years Returns (₹) at 25 Years Dynamic Bond Fund 4,50,000 7,80,000 19,50,000 34,00,000 Nifty 50 2,70,000 4,40,000 7,30,000 14,00,000 Flexi Cap 1,80,000 6,20,000 16,80,000 42,00,000

3. High Risk Investor

Salary: ₹25,000 SIP: ₹5,000/month

Allocation:

30% Flexi Cap Fund (₹1,500) – ~18% CAGR.
30% Nifty 50 Index Fund (₹1,500) – ~12% CAGR.
20% Small Cap Fund (₹1,000) – High risk/high return, ~18% CAGR.
20% Liquid Fund (₹1,000) – Safety net, ~6% CAGR.

Returns (15/20/25 years):

Fund Type Invested (₹) Returns (₹) at 15 Years Returns (₹) at 20 Years Returns (₹) at 25 Years Flexi Cap 2,70,000 9,30,000 25,00,000 63,00,000 Nifty 50 2,70,000 4,30,000 7,30,000 14,00,000 Small Cap 1,80,000 6,20,000 16,80,000 42,00,000 Liquid Fund 1,80,000 3,40,000 6,40,000 9,00,000

4. Higher Income Investors

Salary ₹50,000, SIP ₹10,000 (Low Risk)

30% Liquid or Corporate Bonds (₹3,000) – ~7% returns.
30% Nifty 50 Index Fund (₹3,000) – ~12% CAGR.
40% Gold ETF (₹4,000) – Long-term ~8-10% returns.

Salary ₹1,00,000, SIP ₹20,000+

Low risk: 30% Corporate Bond Fund, 30% Gold ETF, 25% Blue Chip Large Cap Fund, 15% Nifty 50 Index Fund.
Medium risk: Diversified with Small Cap (20%), Mid Cap/Flexi Cap (20%), Credit Risk Bond Fund (20%), Nifty 50 (20%), Sectoral/Thematic Funds (15%), Gold ETF (8-10%).
High risk: 50% Mid Cap/Flexi Cap, 25% Small Cap, 25% Nifty 50, 10% Gold ETF, 20% International Market Funds (US/Foreign ETFs via Indian platforms).

Expected Returns:

Blue Chip Large Cap Fund ~15% CAGR.
Sectoral/Thematic Funds ~16% CAGR.
Credit Risk Bond Fund ~7-9% CAGR.
International Market Funds ~15% CAGR.

Instruments, Sectors & Assets Mentioned

Mutual Funds: Liquid Funds, Corporate Bond Funds, Dynamic Bond Funds, Flexi Cap Funds, Small Cap Funds, Mid Cap Funds, Blue Chip Large Cap Funds, Sectoral & Thematic Funds.
Index Funds: Nifty 50 Index Fund.
ETFs: Gold ETFs, International Market ETFs (including US markets).
Bonds: Corporate Bonds, Credit Risk Bonds.
Sectors: IT, Auto (via Sectoral/Thematic Funds).
International Exposure: US and other foreign indices via Indian mutual funds/ETFs.

Methodology / Framework for Portfolio Construction

Determine monthly SIP amount based on salary and savings capacity.
Assess risk appetite: Low, Medium, High.
Allocate SIP amount into diversified asset classes as per risk profile.
Use historical average CAGR (conservative estimates) for return projections.
Calculate expected corpus after 15, 20, and 25 years using CAGR and monthly SIP.
Emphasize diversification across asset classes to manage risk.
Increase SIP amount stepwise with income growth annually.
Avoid investing all SIP in a single fund; diversify within 4-6 funds.
Rebalance portfolio periodically based on market conditions.
Avoid stopping SIP during market downturns.
Focus on long-term investment horizon (minimum 10+ years).
Utilize free resources (PPTs, Telegram channel) for fund selection and updates.

Key Numbers & Returns Summary (Approximate CAGR & Outcomes)

Fund Type CAGR (%) 15 Years (₹ Invested / ₹ Total) 20 Years (₹ Invested / ₹ Total) 25 Years (₹ Invested / ₹ Total) Liquid Funds 6-7% ₹5,400 / ₹86,400 ₹7,200 / ₹136,600 ₹9,000 / ₹150,000 Corporate Bond Funds 7-8% ₹5,400 / ₹78,200 ₹7,200 / ₹127,000 ₹9,000 / ₹178,700 Dynamic Bond Funds 7-8% ₹4,50,000 / ₹7,82,000 ₹6,00,000 / ₹19,50,000 ₹7,50,000 / ₹34,00,000 Nifty 50 Index Fund 12% ₹1,80,000 / ₹4,75,000 ₹2,40,000 / ₹9,00,000 ₹3,00,000 / ₹17,00,000 Flexi Cap Funds 18% ₹1,80,000 / ₹6,21,000 ₹2,40,000 / ₹16,80,000 ₹3,00,000 / ₹42,00,000 Small Cap Funds 18% ₹1,80,000 / ₹6,21,000 ₹2,40,000 / ₹16,80,000 ₹3,00,000 / ₹42,00,000 Blue Chip Large Cap 15% ₹9,00,000 / ₹30,00,000 ₹12,00,000 / ₹66,00,000 ₹15,00,000 / ₹1,37,00,000 Sectoral/Thematic Funds 16% — / ₹20,00,000 — / ₹45,00,000 — / ₹97,00,000 Gold ETF 8-10% ₹3,60,000 / ₹6,79,000 ₹4,80,000 / ₹11,45,000 ₹6,00,000 / ₹18,00,000 International Market 15% ₹3,60,000 / ₹12,00,000 ₹4,80,000 / ₹26,00,000 ₹6,00,000 / ₹55,00,000

Common Investor Mistakes Highlighted

Investing in too many mutual funds (limit to 4-6).
Choosing funds solely based on recent past returns.
Not rebalancing portfolio periodically.
Stopping SIP during market downturns.
Not increasing SIP amount with rising income.

Disclaimers & Notes

The presenter emphasizes these are not fixed rules or financial advice but one method he personally follows. Returns are based on historical averages and conservative estimates. Past performance is not indicative of future results. Long-term investment horizon (10+ years) is critical for wealth creation. Free educational resources, PPTs, and fund lists are available via Telegram channels linked in the video description. Viewers are encouraged to do their own analysis and research before investing.

Presenter / Source

Sagar Sinha
Channel offers free detailed tutorials and investment guidance on mutual funds and SIPs.
Provides free PPTs and ongoing market updates via Telegram and WhatsApp channels.

This video is a comprehensive, step-by-step guide on how to allocate SIP investments based on salary and risk tolerance, emphasizing diversification, long-term compounding, and disciplined investing.