Goal Based Investing

There is no fixed salary percentage that everyone should invest through SIPs. Calculate the amount from your take-home pay, essential expenses, loan payments, emergency savings, near-term commitments and goals, then choose a mutual fund whose risk fits each goal.

A beginner can invest ₹10,000 per month by first protecting near-term needs, defining one goal and choosing a mutual fund whose risk fits the time available. The amount is only the budget; it does not decide the right fund.