Mutual Funds That Delivered Around 20% SIP Returns Over 15 Years
Long-term investing can create meaningful wealth when investors remain disciplined and continue their SIPs through different market cycles. The data shown in the image highlights several Indian mutual fund schemes that had generated approximately 19%–23% annualised SIP returns over a 15-year period, based on data available as of 19 July 2024.
Among the funds listed, Nippon India Small Cap Fund – Regular Plan recorded the highest approximate 15-year SIP return of 22.60%. It was followed by:
- SBI Small Cap Fund – 20.41%
- DSP Small Cap Fund – 20.13%
- Edelweiss Mid Cap Fund – 19.96%
- Invesco India Mid Cap Fund – 19.93%
- Quant ELSS Tax Saver Fund – 19.74%
- Kotak Midcap Fund – 19.47%
- Quant Small Cap Fund – 19.46%
- HDFC Mid Cap Fund – 19.27%
What can investors learn from this data?
The biggest lesson is not simply to select the fund with the highest historical return. These schemes mainly belong to the small-cap and mid-cap categories, which can offer strong long-term growth but may also experience sharp price declines and high volatility.
A fund that performed well in the past may not deliver the same return in the future. Investors should also check the fund’s risk level, expense ratio, portfolio quality, consistency, fund manager track record and suitability for their financial goals.
SIP investing can help investors invest regularly without trying to predict short-term market movements. However, patience is essential. Small-cap and mid-cap funds are generally more suitable for investors who have a long investment horizon and can tolerate significant market fluctuations.
Before investing, compare the latest performance data and consider consulting a SEBI-registered financial adviser.
Disclaimer: Mutual fund investments are subject to market risks. Past performance does not guarantee future returns. Read all scheme-related documents carefully before investing.
#MutualFunds #SIP #LongTermInvesting #SmallCapFunds #MidCapFunds #WealthCreation #IndianStockMarket #PersonalFinance #LiveWorldMarket
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Founder and Editor at Liveworldmarket. Writes about Indian equity markets, technical analysis, macro themes and the day-to-day mechanics of trading — with a focus on making the flow of global markets legible for retail investors.