This Festive season turn up your investments with SIPs
Festive season in India is about new beginnings, family celebrations, and prosperity. Just as we decorate our homes and exchange gifts, it’s also the right time to invest in something that lasts beyond the season—a Systematic Investment Plan (SIP) in mutual funds.
SIPs combine discipline with flexibility, helping you build wealth over time by investing a fixed amount regularly. Let’s see why this festive season could be the perfect starting point for your SIP journey.
Why start an SIP during the festive season?
Symbol of Prosperity: Festivals are about welcoming wealth and abundance. SIPs echo the same idea by gradually creating financial prosperity for your future.
Power of Compounding: Even small amounts can grow over long run when invested regularly.
*For example, if an investor had started a monthly SIP of Rs10,000 at an average annual return of 12.62 per cent in an equity mutual fund for 20 years, his / her actual investment of Rs 24 lakh would have catapulted to almost Rs 1 crore
NOTE - *Source – CRISIL Research, HSBC MF, AMFI, BSE, Data period 1 Jun 2005 to 31 May 2024, Mean CAGR returns considered for illustration is 12.62 per cent by taking mean of 10-year rolling returns between 1 June 2014 and 31 May 2024 of BSE Sensex. The above illustration is provided as per AMFI Best Practice Guidelines Circular No. 135/BP/ 109 /2023-24 dated November 01, 2023 read with 135/BP/ 109-A /2023-24 dated September 10, 2024 and as amended from time to time to define the concept of power of compounding. Past performance may or may not be sustained in future and is not a guarantee of any future returns. The investors should not consider the same as investment advice.
For SIP returns, monthly investment of Rs.10,000 invested on the 1st day of every month has been considered. SIP returns are calculated on CAGR basis. Investors should consult their financial advisers if in doubt about whether the product is suitable for them.
Balance between spending and saving: Festivals bring extra expenses, but setting aside even a small part of your bonus or gift money into an SIP can make celebrations more meaningful.
Consistency is Key: Just like festive rituals are repeated year after year, SIPs work best when followed consistently helping you ride through market ups and downs.
SIPs for different life stages and risk profiles
Not all investors are the same. Mutual funds offer a wide range of categories suited to different goals, risk appetites, and ages.
Young Professionals (25–35 years)
Risk Appetite: High
Investment Horizon: Long (15–30 years)
Suitable Funds category:
- Flexi Cap Fund
- Mid Cap Fund
- Multi Cap Fund
- Small Cap Fund
Why: Longer horizon allows higher equity allocation for potential wealth creation.
Mid-Career Investors (35–45 years)
Risk Appetite: Moderate Risk
Investment Horizon: Medium to Long (10–20 years)
Suitable Funds category:
- Large and Mid Cap Funds
- Balanced Advantage Funds
- Hybrid Equity Funds
Why: aims to Provide growth potential.
Pre-Retirement Investors (45–55 years)
Risk Appetite: Moderate to Low
Investment Horizon: 5–15 years
Suitable Funds category:
- Large Cap Funds
- Multi Asset Allocation Funds
- Short Duration Debt Funds
- Equity Savings Funds
Why: Focus on reasonable returns.
Retirees (55+ years)
Risk Appetite: Low
Investment Horizon: 5–10 years
Suitable Funds category:
- Debt Funds
- Conservative Hybrid Funds
Why: Priority is capital preservation and reasonable income.
Making SIP a festive tradition
- Just as lighting diyas, sharing sweets or decorating rangolis are traditions we look forward to, starting and continuing an SIP can become your financial tradition
- Start small—even Rs 1,000 a month can be enough to begin
- Align your SIP with financial goals: Child’s education, retirement, home purchase or wealth creation, etc
- Increase your SIP amount whenever your income grows (SIP top-up feature)
A Festival that lasts forever
The glow of diyas and joy of fireworks may fade after the festive season, but the wealth created through SIPs can last a lifetime.
This festive season, celebrate with discipline, prosperity and long-term vision. Start an SIP today—and gift yourself and your family financial freedom.
Talk to your financial advisor to find the one that matches your goals.
Scan to Know More
Past performance may or may not be sustained in future and is not a guarantee of any future returns.
An Investor Education and Awareness Initiative by HSBC Mutual Fund.
Visit https://www.assetmanagement.hsbc.co.in/en/mutual-funds/investor-resources/information-library/know-your-customer w.r.t. one-time Know Your Customer (KYC) process, complaints redressal process including SEBI SCORES (https://scores.sebi.gov.in/scores-home). Investors should only deal with Registered Mutual Funds, to be verified on SEBI website under Intermediaries/Market Infrastructure Institutions (https://www.sebi.gov.in/intermediaries.html). Investors may refer to the section on Investor Education on the website of HSBC Mutual Fund for the details on all Investor Education and Awareness Initiatives undertaken by HSBC Mutual Fund.
This document has been prepared by HSBC Asset Management (India) Private Limited (HSBC) for information purposes only with an intent to provide market overview and should not be construed as an offer or solicitation of an offer for purchase of any of the funds of HSBC Mutual Fund. All information contained in this document (including that sourced from third parties), is obtained from sources, which HSBC/ third party, believes to be reliable but which it has not been independently verified by HSBC/ the third party. Further, HSBC/ the third party makes no guarantee, representation or warranty and accepts no responsibility or liability as to the accuracy or completeness of such information. The information and opinions contained within the document are based upon publicly available information and rates of taxation applicable at the time of publication, which are subject to change from time to time. Expressions of opinion are those of HSBC only and are subject to change without any prior intimation or notice. It does not have regard to specific investment objectives, financial situation and the particular needs of any specific person who may receive this document. Investors should seek financial advice regarding the appropriateness of investing in any securities or investment strategies that may have been discussed or recommended in this report and should understand that the views regarding future prospects may or may not be realized.
This document is intended only for those who access it from within India and approved for distribution in Indian jurisdiction only. Distribution of this document to anyone (including investors, prospective investors or distributors) who are located outside India or foreign nationals residing in India, is strictly prohibited. Neither this document nor the units of HSBC Mutual Fund have been registered under Securities law/Regulations in any foreign jurisdiction. The distribution of this document in certain jurisdictions may be unlawful or restricted or totally prohibited and accordingly, persons who come into possession of this document are required to inform themselves about, and to observe, any such restrictions. If any person chooses to access this document from a jurisdiction other than India, then such person does so at his/her own risk and HSBC and its group companies will not be liable for any breach of local law or regulation that such person commits as a result of doing so.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
© Copyright. HSBC Asset Management (India) Private Limited 2025, ALL RIGHTS RESERVED.
HSBC Asset Management (India) Private Limited, 9-11 Floors, NESCO IT Park, Building no. 3, Western Express Highway, Goregaon (East), Mumbai – 400 063, India.
Email: investor.line@mutualfunds.hsbc.co.in | Website: www.assetmanagement.hsbc.co.in
CL 3299