{"id":1248,"date":"2024-04-22T11:17:15","date_gmt":"2024-04-22T11:17:15","guid":{"rendered":"https:\/\/jamawealth.com\/askguru\/?p=1248"},"modified":"2026-03-02T19:27:14","modified_gmt":"2026-03-02T19:27:14","slug":"which-would-be-the-better-investment-rs-15000-pm-to-sip-or-sukanya-samriddhi-yojana","status":"publish","type":"post","link":"https:\/\/maxiomwealth.com\/askguru\/2024\/04\/22\/which-would-be-the-better-investment-rs-15000-pm-to-sip-or-sukanya-samriddhi-yojana\/","title":{"rendered":"Which would be the better investment, Rs 15,000 PM to SIP or Sukanya Samriddhi Yojana?"},"content":{"rendered":"\n<p>I quite like <a href=\"https:\/\/maxiomwealth.com\/resources\/calculators\/sukanya\">Sukanya Samriddhi<\/a> Yojana as a product. It promotes long term investing, is tax free and has the highest interest rate among all smalls savings instruments. I am personally invested in it and contribute each year.<\/p>\n\n\n\n<p>However SIPs in equity mutual funds are also great at building wealth and offer some of the best returns, and higher than SSY.<\/p>\n\n\n\n<p>The answer depends on the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Your liquidity needs, if you want to cash our early then SSY has a lockin. I would not recommend cashing out early.<\/li><li>Your asset allocation and if you need debt to be a part of the portfolio. SSY can be considered as a debt asset.<\/li><li>The above allocation depends on your risk profile and appetite for risk<\/li><\/ul>\n\n\n\n<p>Read more:&nbsp;<a href=\"https:\/\/www.jama.co.in\/women-financial-matters\/\" target=\"_blank\" rel=\"noreferrer noopener\">4 Tips to Help Women Take Charge Of Their Financial Matters &#8211; Jama<\/a><\/p>\n\n\n<!-- mw-cta-block -->\n\n<div class=\"mw-cta-block\" style=\"background:#EEF3FC;border-left:5px solid #1C52A0;padding:22px 26px 20px;margin:36px 0 24px;border-radius:0 10px 10px 0;\">\n  <p style=\"margin:0 0 4px;font-size:11px;font-weight:700;color:#276FC4;letter-spacing:1px;text-transform:uppercase;\">Maxiom Wealth \u2014 Free Tool<\/p>\n  <h3 style=\"margin:0 0 10px;font-size:19px;font-weight:700;color:#113E81;line-height:1.3;\">How Much Will Your PPF \/ EPF Grow to?<\/h3>\n  <p style=\"margin:0 0 18px;color:#444;font-size:15px;line-height:1.65;\">PPF and EPF offer guaranteed, tax-free returns that outperform FDs after tax. See exactly what your regular contributions will compound into at maturity.<\/p>\n  <a href=\"https:\/\/maxiomwealth.com\/resources\/calculators\/ppf\" style=\"display:inline-block;background:#1C52A0;color:#fff!important;padding:11px 22px;border-radius:6px;text-decoration:none;font-weight:600;font-size:14px;margin:0 10px 8px 0;\">PPF Calculator \u2192<\/a>\n  <a href=\"https:\/\/maxiomwealth.com\/meeting\" style=\"display:inline-block;border:2px solid #1C52A0;color:#1C52A0!important;padding:9px 22px;border-radius:6px;text-decoration:none;font-weight:600;font-size:14px;margin-bottom:8px;\">EPF Calculator \u2192<\/a>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>I quite like Sukanya Samriddhi Yojana as a product. It promotes long term investing, is tax free and has the highest interest rate among all smalls savings instruments. I am personally invested in it and contribute each year. However SIPs in equity mutual funds are also great at building wealth and offer some of the&hellip;&nbsp;<a href=\"https:\/\/maxiomwealth.com\/askguru\/2024\/04\/22\/which-would-be-the-better-investment-rs-15000-pm-to-sip-or-sukanya-samriddhi-yojana\/\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Which would be the better investment, Rs 15,000 PM to SIP or Sukanya Samriddhi Yojana?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[180,26],"tags":[],"class_list":["post-1248","post","type-post","status-publish","format-standard","hentry","category-fund-selection-investments","category-investments"],"_links":{"self":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/1248","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/comments?post=1248"}],"version-history":[{"count":1,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/1248\/revisions"}],"predecessor-version":[{"id":3600,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/1248\/revisions\/3600"}],"wp:attachment":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/media?parent=1248"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/categories?post=1248"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/tags?post=1248"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}