Everything You Need to Know About Perpetual SIP
SIPs have become highly popular in the investment world nowadays. With these funds, you can put small amounts into a mutual fund scheme of your choice on a periodic basis. Within the SIP option, you get multiple choices. One such option is perpetual SIP. This route is perfect if you have long-term investment goals. While the term ‘perpetual’ gives away its meaning, there is still plenty for us to explore.read more
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What is the Perpetual SIP Meaning?
The term perpetual in SIP or in general means forever.
As the name indicates, perpetual SIP means that you can invest in a mutual fund of your choice forever till the time you decide to stop it. This can be a fixed time period or a milestone in terms of your financial goals.
With the perpetual meaning in SIP clear, let’s understand the benefits of this type of SIP
Why Choose Perpetual SIP?
By choosing the option of perpetual in SIP, you can avoid the stress of setting an end date for your investments, which can be quite beneficial if you have a long-term investment horizon. This also gives you flexibility in terms of your overall investment plan in UAE.
With a perpetual SIP in mutual funds, you can enjoy continuous wealth creation over time. You can leverage the power of compounding over a prolonged period without worrying about liquidating your funds, at least in the short term.
Mentioned below are the standard perpetual SIP benefits —
- Flexibility — Freedom to sell your investment or keep it going for as long as you want
- Liquidity — A perpetual SIP in mutual funds allows you to easily withdraw your funds at any time. However, consider the exit load as well as other related charges before deciding.
- Automated Investing — Perpetual SIPs are ideal to simply set and forget! They eliminate the need for constant monitoring while still maintaining a disciplined approach to investing.
Perpetual SIP Vs Normal SIP
The key difference between these two is while a normal SIP has a fixed tenure, a perpetual SIP means an investment plan that continues indefinitely until you, the investor, decide to end it.
Here are the key differences between normal and perpetual SIPs —
| Parameter | Perpetual SIP | Normal SIP |
|---|---|---|
| Period of Investment | Not fixed | Usually fixed tenure — the SIP stops in case you miss the renewal |
| Flexibility | High as you can continue to invest or simply exit when required | Moderate as it comes with a fixed tenure — this may not align with your financial goals in changing circumstances |
| Monitoring | Actively required due to changing market conditions that can cause changes in the investment strategy | Not required as much as it runs for a fixed tenure |
| Risk | Indefinite tenure means higher risk — requires active portfolio management for diversification | Fixed tenure usually means lower risk |
Is perpetual SIP a good investment tool?
Perpetual SIP can be an excellent investment option for those looking for long-term wealth creation as well as flexibility. However, you need to monitor them actively to manage risks.
Can I stop my perpetual SIP anytime?
Yes, you can stop a perpetual SIP any time you want without any contractual obligation. However, note that exit loads or other fees may apply.
What are some factors to look into while selecting a perpetual SIP?
As an investor, when you choose a perpetual SIP, you should consider factors like investment objectives, risk tolerance, investment horizon, fund selection, and more.
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