Juggling multiple financial goals?
Here’s the secret: Separate SIPs for separate dreams—because your child’s education, retirement, and dream vacation each deserve their own strategy.
Why One SIP Doesn’t Fit All
- Different Timelines (5 years vs. 20 years)
- Different Risk Appetites (aggressive for long-term, stable for short-term)
- Different Growth Needs (education inflation vs. travel costs)
The 3-Goal SIP Blueprint
| Goal | Time Frame | Fund Type | Why? |
| Child’s Education | 15+ years | Mid Cap / Flexi Cap | Higher growth for long-term needs |
| Retirement | 20+ years | Large Cap / Index | Stable, inflation-beating returns |
| Vacation in 3 Years | <5 years | Short-Term Debt | Capital protection + steady gains |
How It Works in Real Life
Example:
- ₹8,000/month total investment split as:
- ₹3,000 → Child’s education (aggressive)
- ₹4,000 → Retirement (steady)
- ₹1,000 → Vacation (safe)
Result? Each goal grows at its optimal pace without compromises.
3 Steps to Get Started
- List Your Goals (Be specific: “₹25L for MBA in 2035”)
- Match Funds to Timelines
- 7 years → Equity
- 3-7 years → Hybrid
- <3 years → Debt
- Automate & Track
- Use apps to monitor each SIP’s progress
The Power of Focused Investing
No More Trade-offs – Bali trip won’t eat into retirement money
Stress-Free Tracking – See exact progress per goal
Optimized Returns – Right risk for each timeline
Pro Tip: Rebalance annually—shift vacation funds to debt as the date nears!
Multiple dreams don’t need multiple headaches—just multiple SIPs.
Let’s build your 3-SIP plan today.
Because your dreams shouldn’t compete—they should complement.