Is it possible to generate steady 12% pa return from a SIP investment?

Myths relating to

Investment Plans

Your SIP can easily generate return of 11-12% pa over 4-5 years

Investing with a long term horizon is the key to superior returns

Myth #2

Myth #1

Chances of getting 12% pa or more from SIP investment is less than getting a flip of a coin right

Historically probability of a 5-year SIP Plan in the NIFTY generating 12% pa or more has been just 47% (that's less than the probability of winning a toss of a coin)

Reality Check #1

Time for some reality check

Long term SIP Plans returns can often be not just low, but even negative

Investors can and have ended up with returns as low as 2.4% pa even after SIPing in the NIFTY for not 5, not 6, not 7 but as long as 10years!

Reality Check #2

Outcome of SIP is more like a lottery

Reality Check #3

If last year of your 5-year SIP Plan coincides with "boom time" (e.g. 2007), you can potentially end up with 30%+, even 40%+ pa return; but if last year of your SIP coincides with a market crash (e.g. Mar-2020), a SIP spanning 5/6/even 7 years can end up with negative returns!

Depending on SIPs to achieve financial goals can be disastrous

If your child is due to go to college in 5 years and you are hoping to save up for her college fee by investing SIPs and also hoping that your SIP investment will deliver at least a low double digit return, then the historical probability of you successfully achieving your goal once again, is less than the probability of winning a toss of a coin.

Reality Check #4

So how can you market-proof your financial goals?

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