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Mutual fund investments are subjected to market risks. Read scheme related documents carefully.

About Us

At SipFit, our purpose is to help investors invest their savings in equity through Mutual Funds. To take advantage of the growing Indian economy while it becomes a USD 3 Trillion size by letting our investors participate in it. We do this by identifying individual Client needs and Goals and create a portfolio of Mutual Funds that best aligns with their investing personality.
SipFit is a FinTech company and we automate most parts of investing, risk profiling and portfolio creation. Our Client relationship management has the human element as no two investors think alike or have the same needs. We assign a portfolio manager to understand your needs, answer your questions and help schedule reviews.
Our Economic Valuation frameworks use a combination of valuation metrices of markets and an assessment of how funds have performed across multiple market cycles. Towards this we subscribe research reports to keep tab on the dynamic changes in business and economic cycles.
Our experienced investment team constructs a portfolio of mutual funds with proven track record who in turn are likely to deliver superior returns to investors.
We monitor and review individual client portfolios at regular intervals and guide corrective action.
We then hold these funds for long periods of time with little or no churn which allows us to capture the benefits of long term compounding and deliver superior returns.
Customized Mutual Fund solutions to meet different client needs based on their age and life stage.

Learn To Invest

The most important thing…
It is likely that as an investor, you would have earned lesser than your mutual fund’s return. A study found that an average investor in L&T Value fund earned a return of 6.9% while the fund itself delivered a return of 21.1% over past five years, ending May 2019.
Similarly, a study showed that Axis mutual fund investors generated 14.9% annualized return while the fund returned 20.7% yearly between 2003 and 2018. The investor returns are much lower than the fund returns.
Blame it on how our brain is wired. Investors find it difficult to control both greed and fear, which makes them enter and exit funds at wrong times. Most investors buy at the peak and sell at the bottom, which is actually a good time to buy because valuations are getting cheap.
Investor behavior is fickle as they start a SIP, continue for a couple of years, then discontinue or redeem the SIP, sometimes pause it, re-commence it or reinvest it later. They do this with a hope that they can time the market perfectly, but this habit erodes their returns compared to fund’s return. This gap between investors' and funds' returns disappear if they stay put with their SIP through multiple cycles of economy without letting biases influence their investing.
We follow an Economy Valuation Index to gauge how expensive Equity Market is, to decide on asset-allocation. Asset-allocation determines what proportions should be invested in Equity and Debt at a given time without second-guessing the market movements. The objective is to buy equity at a cheaper valuation and reduce exposure when the market is expensive. Asset-allocation can itself generate alpha to your portfolio as you direct your investments into Debt Funds when markets are expensive, and switch to equity funds when prices are cheaper.
Investors will be successful by following a process and not by chasing best-performing funds based on historical returns, as there are too many variables at play and it is not possible to predict the future accurately. The funds that have performed well in the past may be already overvalued and may not perform well in the next cycle.
An investor can have a simple goal-based approach where they might decide to create a corpus of Rs 1 Crore and then work backward to save Rs 10,000 a month for 20 years assuming a 12% annualized return. This will allow them to stay the course and not get dissuaded by either market volatility or switching to a better performing fund or from many other investing biases.
Do be mindful of the biases when it comes to investing and know that these may prevent us from thinking logically in money-matters. Knowing what we are likely to fail at is the first step to peaceful investing.

Why Us

Each investor's financial behaviour is unique. At SIPFIT we start by Risk Profiling our investors and identify their individual customised risk profile. Based on his Goals and Risk profile, we create Mutual Fund portfolio to help meet various financial goals.
Aligning Funds that represents his Risk type is first step towards financial success. An investor with low risk profile will not stay the course if he invests in a high risk fund, resulting in bad outcomes. Once we create a model portfolio of mutual funds, the investor can invest through SIP or Lumpsum using our Sipfit platform.
The investments are done in easy 3 steps, completely digital. We closely monitor the schemes in the portfolios and coming out with an update on a regular basis, creating a mutual fund portfolio involves several complicated steps.
Shortlist schemes with a consistent long-term performance record.
Pick the schemes that are in line with your risk profile and investment goals.
Fix the composition of the portfolio (% allocation to different funds).
Monitor and review the performance of the portfolio regularly and take remedial steps if needed we have created Mutual fund SIP portfolios for three different individual risk profiles: conservative, moderate and aggressive .
Methodology - We use an economic valuation model to ascertain the asset class that is best to invest in at the current level.
As an example, in the beginning of 2018, we were completely out of mid cap funds, there after the midcap space fell by 15%. We believe buy and rotate strategy will work better for our clients taking taxation and other aspects into consideration.
We will review your portfolio once a year. If the scheme has beaten its benchmark and category average, continue with it. If it fails to beat its benchmark and category for more than a year or two, find out the reason for the underperformance. If you don’t find the reason convincing, you may sell your investments, and start investing in a better performer in the same category.

What do we do?

How to create a winning portfolio of Mutual Funds?
Setting financial goals is a starting point to achieving financial freedom. A portfolio of Equity mutual funds is the best suited to fulfil long-term goals of 5 to 7 years and beyond. Short term goals can be achieved using Fixed Income & Debt funds.
How to create the best mutual fund portfolio?
Most investors choose mutual funds based on past performance. A fund that has performed well in a cycle may not perform in the next cycle because they might be overvalued. Start by analyzing your individual risk profile as no two persons think the same way. Choose mutual funds that align to your Risk Profile and based on Business Cycle, for example in some cycles a midcap or small cap will do better than a large cap fund. Buy and Rotate strategy will work better than buy and forget, so you need to keep a close eye on the portfolio. Then you need to do asset allocation based on an economy valuation index, objective is to buy equity at cheaper valuation and reduce exposure when market is expensive. You need to ensure that no two funds have overlap of holdings between them. At SipFit we do all the above for you. We create a portfolio of mutual funds basis categories: Very aggressive, Moderately Aggressive, Moderate risk takers and Conservative investors and accordingly build a portfolio of best researched funds. Ideally 4 mutual funds which are not overlapping in holdings are good enough. We track, monitor your portfolio, suggest asset allocations, recommend changes to funds when needed. You can read more at About, Learn2Invest and whyus menus. If you need more information, reach us at info@sipfit.in

Contact

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+919845117404

Email:
info@sipfit.in