Unlock Your Dreams
with Prosperity SIP

Simple, Reliable, Long-term Wealth Creation Solution
Set up a Prosperity SIP
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How it Works

Start a monthly SIP in any scheme, easily!
Start a monthly SIP in
any scheme, easily!
Relax, and grow wealth over a chosen tenure
Relax, and grow wealth
over a chosen tenure
Automatically switch to your selected target scheme for monthly withdrawals
Automatically switch to your
selected target scheme for
monthly withdrawals
Set up a Prosperity SIP

Key Benefits

Key Benefits
Disciplined investing for the long term

Disciplined investing for the long term

Freedom to choose desired tenure

Freedom to choose desired tenure

Freedom to choose the source and target scheme from our wide range of scheme offerings

Freedom to choose the source and target scheme from our wide range of scheme offerings

Goal based approach to investments

Goal based approach to investments

Unlock your Dreams through Goal Planning

Key Benefits

Draw 2.4 lakhs a
year for your vacation
for the next 15 years

SIP
( 15,000 for 7 years)

20.1 Lakhs

SWP
( 20,000 for 15 years)

Key Benefits

Draw 1 lakh a month
to meet your EMI and
buy your dream house

SIP
( 20,000 for 15 years)

1.1 Crores

SWP
( 1,00,000 for 15 years)

Key Benefits

Draw 1.5 lakhs every
month to meet all your
day to day needs post-retirement

SIP
( 25,000 for 20 years)

2.6 Crores

SWP
( 1,50,000 for 20 years)

Set up a Prosperity SIP

Assumed SIP investment has grown at 12.42% based on the mean of 10-years rolling return of Nifty 50 Index between 30th June 2014 to 31st May 2024. Investment in the Target Scheme is assumed to grow at 9.52% based on the mean of 10-years rolling return of Nifty 50 (50%) + CRISIL 10-year Gilt Index (50%) between 30th June 2014 to 31st May 2024. Illustration returns have been calculated as per AMFI Guidelines. SIP numbers are rounded to one decimal place, SWP calculations are done on actual SIP numbers. Sundaram Prosperity SIP does not in any way give assurance of the performance of any of the Schemes of Sundaram Mutual or provide any guarantee of withdrawals through SWPs.

See How Prosperity SIP Works

Prosperity SIP Calculator

SIP

SWP

Total Value of Investment
30,00,000
Total withdrawal via SWP
- (-)
Leftover corpus after SWP period
45,00,000
Start an SIP to reach your goal of , today!
Set up a Prosperity SIP

Get Started with Prosperity SIP

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FAQs
What is Sundaram Prosperity SIP?
Sundaram Prosperity SIP (hereby known as Prosperity SIP) is a product that helps investors build a corpus through monthly systematic investing (SIP) over a period of time (ex.,10 years) and then withdraw a sum monthly (SWP) from it over time to meet their needs.
Prosperity SIP comprises of three steps:
  • Start a monthly SIP in an available open-ended equity/hybrid scheme:
    For a pre-defined period of either 7 years, 10 years, 12 years, 15 years, 20 years, 25 years or 30 years. The minimum SIP amount shall be Rs. 2000 and Multiples of Re.1 thereafter.
  • Switch to another (the target) scheme:
    On completion of the SIP period (the investor can also choose to remain in the same Scheme). Switch on completion of the SIP period will happen as per the then prevailing regulations (T+15 days currently).

    Note: T is the date of the last SIP instalment.

    Option A: Same scheme for SIP and SWP.

    Option B: SIP and SWP will be in different schemes. SIP will be in the Source scheme on completion of the SIP Tenure, the amount will be switched to the Target Scheme at the Applicable NAV at the end of 15 days from the date of the last SIP instalment and SWP will be carried out from the Target Scheme.

    If the Source Scheme is mentioned and the Target scheme is not mentioned, SWP will be registered in the same scheme as selected for SIP.
  • Start a monthly SWP to your bank account:
    Post the Switch, the SWP will be activated for the pre-selected SWP amount on the application form, or an amount as per the table below in case no amount is specified.
    SIP Tenure Default Monthly SWP
    7 years 1.0 x of the monthly SIP Instalment
    10 years 1.5 x of the monthly SIP Instalment
    12 years 2.0 x of the monthly SIP Instalment
    15 years 3.0 x of the monthly SIP Instalment
    20 years 5.0 x of the monthly SIP Instalment
    25 years 8.0 x of the monthly SIP Instalment
    30 years 12.0 x of the monthly SIP Instalment
    For example: If the initial SIP registered for tenure of 10 years is Rs. 10,000 per month, then the SWP will be Rs 15,000 (1.5x of Rs. 10,000).
Prosperity SIP is available in several equity/ hybrid schemes of Sundaram Mutual Fund.
Scheme Source Target
Sundaram Mid Cap Fund
Sundaram Services Fund
Sundaram Large Cap Fund
Sundaram Flexi Cap Fund
Sundaram Large and Mid Cap Fund
Sundaram Focused Fund
Sundaram Multi Cap Fund
Sundaram Small Cap Fund
Sundaram Dividend Yield Fund
Sundaram Business Cycle Fund
Sundaram Financial Services Opportunities
Sundaram Infrastructure Advantage Fund
Sundaram Consumption Fund
Sundaram Balanced Advantage Fund
Sundaram Multi Asset Allocation Fund
Sundaram Aggressive Hybrid Fund
Sundaram Equity Savings Fund
*The AMC reserves the right to make changes in the list of eligible schemes from time to time. Subject to a minimum application amount of SWP instalment under the respective schemes. The Target Scheme is the Scheme in which the Lumpsum switch and Monthly SWP Scheme shall be registered in.
Prosperity SIP is available under the Regular and Direct Plans of the respective schemes. However, it is available only for the Growth Option.
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Sundaram Prosperity SIP (the Facility) including the default monthly SWP payouts do not guarantee, assure, promise or indicate fixed returns/performance of any schemes of Sundaram Mutual Fund - under SIP or the withdrawal under the Facility. The Facility is an optional feature that allows initial monthly investments through SIP in the source scheme, switch to target scheme after a pre-defined tenure and then monthly SWP from the target scheme. The SWP will be processed either till Dec 2099 or till the units are available in the target scheme, whichever is earlier. The default monthly SWP payout amounts indicates the maximum amount that can be withdrawn. Please read the terms and conditions in the application form before investing.

Mutual fund investments are subject to market risks, read all scheme related documents carefully.

Set up a Prosperity SIP