Top 5 SIP Plans for Smart Investing

Here are the top 5 SIP plans that are especially useful because they allow you to invest regularly in a disciplined manner, without the need to time the market. These funds offer a balanced mix of global exposure, regional strength, risk diversification, and long-term potential, making them ideal for both beginner and seasoned investors.

What are Mutual Funds for SIP?

Mutual funds are essentially a portfolio of stocks, bonds, and other market-linked securities and are purchased using pooled capital of investors. These portfolios are managed by professional fund managers.

You can invest in mutual funds either by paying a lump sum amount or via a Systematic Investment Plan (SIP). This is an investment mechanism that involves contributing a small fixed investment amount towards mutual funds at regular intervals, such as, monthly, weekly, or quarterly.

Let’s start with the Top 5 SIP plans for investment in UAE, covering both short-term and long-term options. Whether you're looking for stability, aggressive growth, or region-specific investments, these top 5 SIP funds have something for every type of investor.

Top Investment Plans in UAE

Some of the best Investment quotes in UAE & Dubai are:

Policy Term

Investment Amount

Payment Frequency

YearlyMonthly

Top 5 SIP Plans for Short-Term

Ardevora Global Equity Funds
M&G Global Macro Bond Fund
Schroder US Mid Cap Fund
Voya Russell Large-Cap Growth Index Fund
Amundi Funds Emerging Markets Equity Funds

The following are the top 5 SIP plans for investment in UAE for short-term holdings -

Ardevora Global Equity Funds

This is one of the top 5 SIP to invest and a long/short global equity fund that aims for long-term capital growth by investing in global stocks. It uses behavioural insights to avoid market biases from company managers, analysts, and investors, focusing instead on factual analysis like stock prices, forecasts, and company reports.

The minimum holding for Ardevora Global Equity Funds is 5 years. This global equity fund uses a bottom-up approach. The majority of the mutual fund’s investments are done in the United States. The remaining funds are split between Europe, Japan, and other parts of the world.

These top 5 SIP funds are invested in and gain exposure from equity-related and equity securities that are listed or traded on the Regulated Market.
The investment manager seeks to structuralise the portfolio in a manner that it has a long or short ratio of 150/50.

M&G Global Macro Bond Fund

This top 5 SIP fund aims to outperform the Bloomberg Global Aggregate Index over 5 years by investing in global debt and asset-backed securities. It focuses on bonds from governments, agencies, and companies worldwide, including emerging markets to offer growth and income with macroeconomic insight.

This is a ‘Go-anywhere’ bond fund that invests in any bonds issued by governments or companies worldwide and can be invested in any global currency. The investments are made after considering the macroeconomic conditions, creating a portfolio that is designed to capitalise on short-term tactical investments.

This is a good fund for SIP and offers global bond exposure. It is a good choice if you want to balance risky stocks with safer investments.
It invests in different fixed-income assets from both emerging and developed markets, including corporate and government bonds.

Schroder US Mid Cap Fund

Schroder US Mid Cap fund is one of the best SIP plans and aims to provide capital growth and income through investment in the Russell 2500 Total Return Logged index. The investment tenure is at least 3 to 5 years into equity and equity-related securities of medium-sized US companies.

This makes it one of the top 5 SIP funds that actively manages investment in high-potential medium-sized U.S. companies using deep fundamental research. It strategically balances growth, stability, and turnaround opportunities to deliver capital growth and income over 3–5 years, aiming to outperform the Russell 2500 index.

At least 80% of the investment is done in equity and equity-related securities.
The fund employs thorough company analysis that leads to selecting the best stock selection over time.
This best SIP plan uses a 3-bucket approach and can hold well in difficult markets.

Three-Bucket Investment Approach

The savings strategy uses three virtual buckets to manage your finances -

Bucket 1: Emergency and Short-Term Goals

This bucket is for immediate needs and short-term goals. It should contain liquid assets like cash or easily accessible investments. Aim to save 3-6 months of income here to cover emergencies. Once that’s set, you can use the funds for short-term goals like vacations or electronics.

Bucket 2: Financial Well-Being

This bucket focuses on medium-term goals like a down payment or paying off debt. It includes less liquid assets like stocks or bonds, with a time frame of 1-5 years. Allocate 10-30% of your savings here.

Bucket 3: Financial Independence

The long-term bucket is for goals like retirement or children’s education, with a time frame of 5+ years. Invest 50-70% of your savings here for future security.

Voya Russell Large-Cap Growth Index Fund

This is one of the best mutual funds for SIP, investing in the equities of large-sized companies in the United States within the Russell 1000 Growth Index. Approximately, 80% of the funds are invested in companies with opportunistic business momentum, valuations with growth potential, and market recognition.

It tracks large U.S. companies with strong long-term growth potential, focusing on firms with solid cash flows and sustainable advantages. This top 5 SIP plan aims for capital growth by closely mirroring the performance of the Russell Large-Cap Growth Index.

The Voya Russell Large-Cap Growth Index Fund offers the following -

Focus on consistency
Round-the-clock investment and wealth management

Amundi Funds Emerging Markets Equity Funds

This is another one of the top 5 SIP to invest in for the short term. With a minimum investment tenure requirement of 5 years, this fund invests assets in emerging markets. The focus is on quality, high cash flow generation, positive incremental return on invested capital, and top-notch corporate governance.

This top 5 SIP fund invests across all segments: from large-cap leaders to off-benchmark niche opportunities.
Preference for companies that support long-term, sustainable development in emerging economies
Seeks to capture long-term structural trends and demographic shifts fueling growth in emerging markets

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Top 5 SIP Plans for Long-Term

The following are the best 5 mutual funds for SIP for long-term holdings -

1. Scottish Mortgage Investment Trust

This is the best mutual fund for SIP that actively invests in equities and helps to earn high returns on investment in the long term. The fund focuses on identifying market leaders across diverse sectors and geographies, leveraging strong management teams and disruptive innovation as key selection criteria.

Its portfolio typically consists of 50 to 100 stocks, offering investors a curated mix of public equities and up to 30% exposure in private companies. This blend allows the trust to capture early-stage growth alongside established market performers.

Portfolio composition: Typically holds between 50 and 100 stocks and can be fairly concentrated.
Investment Scope: No strict limits on geographic, industry, or sector investments.
Asset Allocation: Primarily invests in liquid, publicly traded stocks, but it may also include fixed-income securities, convertible securities, funds, and other assets.
Private Investments: Cap of 30% of the total assets can be invested in non-publicly traded companies.
Performance Goals: The goal is to achieve returns greater than the FTSE All-World Index (in sterling) over a rolling five-year period or longer.

2. Fundsmith Equity Fund

The Fundsmith Equity Fund is designed for long-term investors seeking consistent capital growth over a period of five years or more. This top 5 SIP fund takes a global approach to equity investing, but instead of frequent trading, it follows a disciplined “buy and hold” strategy, focusing on a small number of high-quality companies.

This is the best SIP for AED 1,000 per month especially for long-term investors. The Fundsmith Equity Fund invests globally in stocks with a long-term and avoids short-term trading.

Key Investment Criteria:

High-quality businesses with strong returns on capital
Companies with hard-to-replicate advantages
Firms that don’t rely heavily on debt for returns
Businesses with reliable growth from reinvested cash flows
Companies resilient to change and technological advancements
Stocks that the fund considers attractively priced

3. Fidelity Emerging Market Funds

The Fidelity Emerging Market Fund offers investors access to a concentrated portfolio of 30 to 50 high-conviction stocks across emerging markets. This fund is one of the top 5 SIP plans for investment in UAE and stands out for its disciplined bottom-up stock selection process.

One of the key strengths of this fund is Fidelity’s extensive on-the-ground research team, with 47 analysts located in key emerging economies such as China and India. This local presence provides deep insights into market dynamics and business fundamentals, helping the fund identify opportunities early and make informed investment decisions.

The investment takes the following factors into account -

Industry exposures
Dividend yield
Price/book ratio
Price/earnings ratio
Earnings growth
Capitalisation
Effect of the foreign taxes
Country weightings

4. Invesco Perpetual Asian Fund

The Invesco Perpetual Asian Fund is another long-term SIP of AED 20,000 per month in the UAE focusing on capital growth. It aims to achieve long-term capital growth over a period of 5 years or more. This is done by investing at least 80% of its assets in shares and equity-related securities of companies based in Asia and Australasia, excluding Japan.

While its core focus remains on Asia-Pacific markets, the fund manager retains the flexibility to invest in a broader range of transferable securities, including global companies, as well as money market instruments, collective investment schemes, deposits, and cash. This approach allows the fund to capture diverse growth opportunities while maintaining its primary regional strategy.

This fund allows allocation to global securities, collective investment schemes, money market instruments, and cash for added balance and liquidity.
Actively managed by experienced professionals to capture growth across both core and off-benchmark opportunities.
Suitable for long-term SIPs like AED 20,000/month, helping UAE investors diversify beyond domestic and Western markets.

5. Fidelity Global Dividend Fund

The Fidelity Global Dividend Fund focuses on investing in high-quality global companies with strong potential to maintain and grow their dividends over time. Aimed at providing both income and capital growth, this top 5 SIP fund seeks to outperform the MSCI All Country World Index by offering at least 25% more income than the companies included in the index, while also aiming for lower volatility.

This best mutual fund for SIP invests at least 70% of its funds in equities from companies from anywhere in the world including the emerging markets.
This fund allocates at least 50% of the assets in securities of companies with characteristics of environmental, social, and governance.
The funds can also be invested in money market instruments.
This mutual fund emphasises high-quality global companies that can maintain and grow their dividends with time.
The equities in which the money is invested offers a promising opportunity to generate income and provide broad exposure to industries and companies.

Top 10 Best mutual funds in UAE to invest

Who Should Invest in Top 5 SIP Plans?

Systematic Investment Plans (SIPs) are a great option for various types of investors due to their flexibility, convenience, and potential for long-term wealth growth. Here's who should consider the best SIP Plans -

People who want to enter the stock market in an organised way
Individuals who wish to build a habit of regular saving and investing
Investors looking for a balanced and diversified stock portfolio
Individuals who prefer a lower-risk investment approach
Those planning for long-term equity growth
Beginners with little market knowledge
People who value flexibility in their investments
Individuals with long-term goals like travel, home ownership, or education
Investors who are interested in benefiting from compounding and cost averaging
Those who prefer not to invest a lump sum at once

What are the Different Investment Options for Expats in UAE?

How to Select the Top 5 SIP Plans to Invest in the UAE?

Choosing the right SIP (Systematic Investment Plan) of AED 20,000 per month in the UAE involves several steps to match your financial goals, risk tolerance, and preferences. Here are some tips to help you -

Set Your Financial Goals	Decide what you want to achieve - wealth accumulation, retirement, education funding, etc. Determine how much you can invest regularly and establish your investment timeframe.
Assess Your Risk Tolerance	Consider your risk tolerance based on age, income, and financial responsibilities. If you can handle higher risks, equity SIPs might be suitable. For lower risk, consider debt-oriented SIPs.
Which SIP to Invest in	Understand different SIP types like equity, debt, balanced, or sector-specific funds. Choose funds that fit your risk level and goals.
Check Fund Performance	Look at past performance, consistency, and volatility, but remember that past results don't guarantee future returns.
Diversify	Choose SIPs that diversify investments across asset classes, sectors, and regions to reduce risk.
Read Scheme Documents	Carefully review the scheme’s objectives, strategy, and risks by reading the offer documents.
Get Professional Advice	If you're unsure, consult financial experts like Dhanguard for personalized recommendations.

Frequently Asked Questions

Some of the top SIP investment plans in the UAE include Ardevora Global Equity Fund, Schroder US Mid Cap Fund, Voya Russell Large-Cap Growth Index Fund, and M&G Global Macro Bond Fund. These offer global diversification and solid long-term growth potential.

Yes, SIPs typically offer higher long-term returns than fixed deposits, which average around 3–4% annually. SIPs also benefit from market-linked growth and the power of compounding.

Yes, expatriates living in the UAE can easily invest in SIPs through licensed financial advisors or global investment platforms.

For best results, you should stay invested for at least 5 years. Longer durations allow compounding to work effectively and help you ride out market fluctuations.

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