Service 07 of 08
SIP Planning
The right amount, in the right funds, for long enough.
The Service
What this actually solves.
A SIP is simple. A SIP plan is not just an amount — it is the amount your goals actually require, in schemes that pass scrutiny, with annual step-ups and the discipline to continue through every downturn.
Who this is for
You can automate a fixed amount monthly and want it working as hard as your salary does.
SIPs started over the years without a plan — you want them rationalised around actual goals.
You stopped a SIP in a fall once. You want a structure that helps you never do that again.
What’s Included
Six things you can hold us to.
Every engagement is documented — you will always know what was recommended, why, and what happens next.
Start the Conversation- 01Goal-linked SIP sizing
The monthly amount reverse-engineered from your goals — not whatever feels affordable this month.
- 02Evidence-based scheme selection
Every SIP flows into funds that clear our 8-factor framework.
- 03Annual step-up structure
SIPs that rise 5–10% yearly with your income — the single biggest lever on your final corpus.
- 04Downturn discipline protocol
An agreed, written plan for market falls — because pausing SIPs in a crash is buying less when prices are lowest.
- 05Consolidated SIP dashboard
All SIPs, dates and folios in one view, reviewed with you annually.
- 06Milestone check-ins
Progress mapped to each goal’s funded percentage, so you always know if you are on track.
+10% / yr
A simple annual step-up can grow your final corpus by 60–70% versus a flat SIP over 20 years. Try it in the calculator.
Our Approach
How the work unfolds.
01
Size
Your goals decide the amount — we show the exact math.
02
Automate
Mandates and dates set up end-to-end, with step-ups scheduled.
03
Persist
Annual reviews and downturn discipline keep the plan alive through cycles.
Common Questions
Asked before most first meetings.
Work backwards from the goal. ₹1 crore in 15 years at an assumed 12% needs roughly ₹20,000 per month — or about ₹13,000 with 10% annual step-ups. The calculators on this site show your exact numbers.
That is precisely when each instalment buys the most units. Stopping in downturns is the most expensive behavioural mistake in SIP investing — which is why our plans include a written downturn protocol agreed in advance.
The long-run difference is negligible; discipline and duration matter far more than frequency. We default to monthly, aligned to your salary date, and spend the energy on step-ups instead.
Ready to talk about sip planning?
A first conversation is free and obligation-free. We will tell you honestly whether this service is what you need.
Book a Consultation