Unpacking your bonus for mutual fund returns.
That bonus cheque just landed! The big question: Should you put it all into a mutual fund for quick, high returns? Many think so, but it's not always the best path.
Dropping your entire bonus at once means timing the market. If it dips right after, your investment could be in the red. "Time in the market beats timing the market" for a reason!
15% returns are possible, but usually over *long* terms (7+ years). Expecting it from a one-time bonus, short-term, is a gamble. Past performance is never a guarantee.
Don't go all-in! Use a **Systematic Transfer Plan (STP)**: transfer your bonus from a debt fund to equity gradually. Or **Supercharge Your SIPs**: top up existing investments for faster growth.
Priorities first! **Bolster your emergency fund** for peace of mind. Or **pay down high-interest debt** – a guaranteed, immediate 'return' often higher than market gains.
Ready to make your bonus work smarter? Explore different investment scenarios with our SIP, Step-Up, and Goal-based Calculators at sipplancalculator.in.