SIP delivered negative returns in a year, so what's your strategy

Systematic Investment Plan is considered the safest investment. But during the past year, there have been clear crores SIP investors.The country's top SIP mutual funds by 21 per cent during the past year have given negative returns.The challenges ahead for investors is full.

SIP Fund negative returns of 21 percent

UTI Opportunity Foundation Fund during the year fell by 21 per cent. UTI Opportunity Foundation in February last year, the NAV of the fund was 51.28, which has come down to 42.34.Reliance Focused Large Cap Fund also has lost 19 per cent in a year.Reliance Focused Large Cap Fund's NAV decreased from 24.25 to 21.45 has arrived. Bianbi Paribas Equity Fund 16.50 per cent during the year to come down.NAV of BNP Paribas 61.83 at this time last year, down from February's 68.85. BNP Paribas, the NAV of the dividend yield remains at 32 percent from 34.66.The HSBC India Opportunity Foundation funds came down about 15 per cent a year.

SIP Fund	One-year returns
UTI Opportunity Foundation Fund	-21
Reliance Focused Large Cap Fund	-19
Bianbi Paribas Equity Fund	-16.50
BNP Paribas Dividend Yield Fund	-16
HSBC India Opportunity FoundatioFund	-15
IDBI India Top 100 Equity Fund	-16.74
ICICI Prudential Value Fund	-14.52
Birla Sun Life Equity Fund	-13
Kotak 50 Regular Plan	-13.62
JPMorgan Mid Cap, Small cap fund	-11.97

What is SIP

SIP is a systematic investment plan, which is monthly or quarterly, depending on the investment.The bank would like recurring deposits, investment in which the investor instead of a fat little investment after a certain period to get comfortable.

Escorts Mutual Fund Ashok Agarwal, head of Time is needed for investment in SIP. If investors do not want to take much risk.They should invest in balanced funds SIP. SIP must invest for 3-5 years.SIP returns of 16-17 per cent in the next 2-3 years can get. But for those who have invested in the equity SIP.Given the current market conditions, they may not expand SIP, 17-18 per cent of the market has been broken because of their height.According to him, if only to get out, then wait for about 6 months. In 2008 market decline, many investors did this time.Which had suffered heavy losses. Since 2009, growth in the market. Good returns to investors.Investors who do not want to take much risk, they should invest in SIP Balanced or debt

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