Have you ever opened your salary message, felt proud for a second, and then sighed because you knew most of it would just sit in your savings account? That’s exactly where I was two years ago.
Finding the best SIP for long term changed everything for me. Not overnight, but in that steady, chai-sipping, Sunday-budgeting kind of way. If you’ve been thinking of building wealth for your future, your house, your dream solo trip, or your child’s education, this guide is for you.
Why SIPs Work for Long Term Goals
A Systematic Investment Plan (SIP) helps you invest small amounts regularly in mutual funds. It removes the stress of market timing. Over 10, 15, even 20 years, your money compounds beautifully.
Think of SIPs like planting a money tree, you water it monthly, and one day, it’s big enough to shade your dreams. The best SIP for long term is one that aligns with your risk tolerance, goal duration, and investment amount.
My 7 Proven SIP Plans for Long-Term Wealth
Here are the SIPs I often recommend to women who want a low-effort, high-discipline path to wealth:
SIP Plan | Ideal For | Returns (10-15 yrs) | Risk Level |
---|---|---|---|
Axis Bluechip Fund | Beginners | ~12% | Low to Moderate |
Mirae Asset Large Cap | First-time investors | ~13% | Moderate |
Parag Parikh Flexi Cap | Long-term flexibility | ~14% | Moderate |
SBI Small Cap Fund | Higher returns, longer term | ~16% | High |
UTI Nifty Index Fund | Passive investors | ~11% | Low |
Quant Active Fund | Aggressive strategy | ~17% | High |
HDFC Balanced Advantage | Stability + growth | ~12.5% | Moderate |
Each of these has historically performed well over long durations. Of course, past returns aren’t guaranteed, but a consistent SIP habit often beats market timing.
Choosing the Best SIP for Long Term Goals
When women ask me which SIP to start, I always ask: What’s your goal? Here are a few scenarios:
- For child education in 15 years, go for balanced or flexi cap funds.
- For retirement planning, consider index or large cap funds.
- For wealth creation, small and mid-cap funds may suit your higher risk appetite.
Use tools like Groww SIP calculator to estimate your corpus.
Small Steps, Big Impact
When I started my SIP at 23, I began with just ₹500 a month. Over the years, I gradually increased it to ₹3000 monthly. It wasn’t about how much I invested at first, it was about building consistency. The best SIP for long term is one you can stick to, without skipping.
Also, check out our beginner guide: Mutual Fund for Beginners. It’s a great starting point if you want to learn basics before jumping in.
Real Talk: One Woman’s Journey
Last year, I helped a 34-year-old single mom in Pune start her SIP. She told me, “No one’s ever explained this without judgment.” We picked the Mirae Asset Large Cap, and in 6 months, she started explaining SIPs to her sister. That’s what I live for.
Final Thought
If you’re looking for the best SIP for long term, the answer isn’t just in returns or rankings. It’s in you showing up every month. It’s in that quiet courage to start.
Start today. Not for the market. For your future.
Disclaimer
This blog on the best SIP for long term is meant purely for educational purposes. It does not constitute financial advice. Please consult a certified financial advisor and read the scheme’s terms and conditions carefully before investing. The best SIP for long term decisions must also consider your personal goals, market risks, and the prevailing financial trends.
FAQ: Best SIP for Long Term
Q1. Which is the best SIP for long term in India?
A: Axis Bluechip and Parag Parikh Flexi Cap are excellent starting points for long-term SIPs.
Q2. Is SIP safe for 15-20 year goals?
A: SIPs in equity mutual funds carry market risk, but long-term investing helps average out volatility.
Q3. Can I start with ₹500 SIP monthly?
A: Yes! Start small. Many successful investors began with even ₹500/month.
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Meet Pranjali Ghosh — a financial consultant based in Mumbai with an MBA in finance and a mission to help Indian women build clarity and confidence around money. From government schemes to mutual funds and everyday savings, she breaks down complex topics in simple, relatable ways. As a proud WTribe member, Pranjali shares what she’s learned — not from textbooks, but from real conversations with women who want to take charge of their financial lives.