One ₹30,000 SIP or Splitting It into Two SIPs? SIP Calculator Reveals Which Can Build a Bigger Corpus

A monthly Systematic Investment Plan (SIP) allows investors to build wealth through regular investments. But can dividing the same monthly amount between two mutual funds produce a bigger corpus?  

A SIP calculator help explain the difference. 

SIP Calculator: Investing ₹30,000 in One Mutual Fund  

Let’s say Ram decides to invest ₹30,000 every month in a single mutual fund for 20 years, assuming an annual return of 12%. 

Over that period, he puts in a total of ₹72 lakh. Now, according to the SIP calculator, his corpus after 20 years would turn to ₹2,99,74,438. Out of this, around ₹2,27,74,438 is the estimated gains.  

This brings the investor remarkably close to the ₹3 crore target corpus.  

SIP Calculator: Splitting ₹30,000 Across Two Mutual Funds Scheme 

Now consider investor Shyam dividing the same ₹30,000 between two funds with different return assumptions. 

The first SIP invests ₹18,000 monthly in a relatively conservative fund, assuming a 10% annual return. After 20 years, its estimated value reaches ₹1,37,82,544. 

The second SIP invests ₹12,000 monthly in a relatively aggressive fund, assuming a 15% annual return. Its estimated value reaches ₹1,81,91,460. 

Together, the investments generate an estimated corpus of ₹3,19,74,004, against the same total investment of ₹72 lakh. 

SIP Calculator Comparison: Investing in One Mutual Fund vs Investing Across Two Mutual Funds  

Read More: SIP Calculator: How ₹25,000 SIP Beats ₹50,000; Why Longer Tenure Matters More Than Larger Amounts! 

Conclusion 

A SIP calculator makes it clear; how the same ₹30,000 monthly investment can produce different outcomes over 20 years. While splitting the SIP investment generates a larger projected corpus in this example, the difference comes from assumed returns rather than the number of funds. 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.    
 
Mutual Fund Investments are subject to market risks, read all the related documents carefully before investing.