If you want to invest for a long term like 15–20 Years SIP, you have to choose a mutual fund smartly, but the question is Which Mutual Fund Is Best for 15–20 Years ?
If you are thinking of investing in a mutual fund for the long term as SIP, you are on the right path. Now, selecting a mutual fund is the next step.
As an AMFI-registered Mutual Fund Distributor (MFD), I can help you to make the best choice for 15–20 Years SIP.
Big Universe of Mutual Fund
In the mutual fund market there are many AMCs that are selling mutual funds with different goals and asset portfolios. Generally mutual funds are made of Equity, Debt, or Hybrid.
Some mutual funds are based on assets like Gold mutual fund, Silver mutual fund. Even Index mutual funds are available for investing.
Suppose, you want to invest in an index fund, even in this you have to select Direct, Regular, IDCW or Growth Option.
But the best part is that all mutual funds are designed for different goals. So I can not say which Mutual Fund Is Best for SIP.
In my experience advising investors Index Fund will be suitable for 15–20 Years SIP. The index is made with India’s top companies. So, it can be considered a safe investment for the long term.
Also Read : SIP or Lumpsum: 3 Smart Ways to Invest Your First Salary in 2026
Why Index Funds Work Best for 15–20 SIP Years ?
In the past the market has fallen many times, many stocks have not recovered but indexes have recovered with decent returns. In 2008 Nifty 50 crashed but it recovered later.
Even the Corona Pandemic in the 2020 market crashed and Nifty50 went down but it recovered and made new highs.
One of the best reasons to suggest index funds is that index funds have given decent returns of 12-14% every year.
So if you are looking for a long term SIP, an index fund with 12-14% can create wealth.
You can use SIP calculator for calculation of SIP and you can see how much wealth you can make in 15 to 20 years.
Return calculation with 12-14% for 15–20 Years SIP
Suppose you want to invest ₹ 5000 per month in SIP for 20 years and assume average return of any index fund is 12% for (safer side).
“Your total Investment will be invest in SIP in 20 years, ₹ 12,00,000.00 and it will become ₹ 49,95,739.60 after 20 years “
This will make you able to earn Profit of ₹ 37,95,739.60. It will become more than three times your money.
Also read : SIP vs SWP : One Builds Wealth, Other Pays Your Bills in 2026
Simple, Low-Cost, and Consistent
Index funds are very simple in which you can invest and sit for long term. As an index fund there is no need to manage it.
It grows with the market and its composition is fixed and does not need to change frequently.
Index funds are very cost effective as you have a very low Expense Ratio compared to other mutual fund categories. So your investment will grow without losing much.
What are other options to invest ?
As I said above there are plenty of mutual funds to invest in. You can look at Mid cap or Small cap mutual funds, but they are volatile but it may give you up to 30% return, or you can combine all mutual fund SIP.
One can make mixed portfolio of:-
Index Fund : 40-50%
Mid Cap : 20-30%
Small Cap Funds: 10–20%
By making this mixed portfolio you can feel left out and may enjoy growth of your SIP
What Matters More Than Choosing the “Best Fund”
As a mutual fund distributor I have been working with the investor and noticed something. I would like to share. Returns depend on the investor also. Many SIP investors stop SIP during market fall, as they fear of losing more.
Some Switch fund types and looking for recent high top performers. Many of them do not wait for 15-20 years and redeem funds before maturity.
Making money through SIP is a long term game, so investors should keep investing and let the fund grow.
My Practical Advice as an AMFI-Registered MFD
As I always say, every one has a different goal in life and all investment can not suit every person. So, you have to choose first that are you long term investor or can stay for short term.
Do not afraid of market fall, it is the phase of market. If possible do your own research also or ask someone experienced in the field.
Disclaimer : This article is for informational purposes only and does not constitute financial or investment advice. Returns and tax implications may vary based on market conditions and individual circumstances. Please consult a qualified financial advisor before making any investment decisions.
Navnit Kumar (ARN-183463) is an AMFI-Registered MFD and financial expert with 8+ years of experience. Author of the Amazon bestsellers Anybody Can Trade and Anybody Can Trade Options , Navnit simplifies complex strategies like SWP & SIP to help investors achieve sustainable financial freedom.
