Monday, July 30, 2012


Comparison of Systematic Investment Plan (SIP) and Value Investment Plan (VIP).

Query: Please find the comparison of Systematic Investment Plan (SIP) and Value Investment Plan (VIP) for your kind reference. 




 
Nominal value10000
LimitNo Limit






 






Value Investment Plan (VIP)
MonthMarket Values (Nifty)Monthly Investment (Rs.)NAV (Rs.)UnitsUnits @ end
4/15/20062943.910000.00294.3933.9685451333.9685451
5/15/20063007.89907.94300.7832.9408238566.909369
6/15/20062299.2514992.43229.9365.2057229132.115092
7/15/20062560.156932.82256.0227.07975816159.19485
8/15/20062730.17803.94273.0128.58480236187.779652
9/15/20062898.97471.10289.8925.77219291213.551845
10/15/20063090.256687.52309.0321.64069977235.192545
11/15/20063225.657724.00322.5723.94555405259.138099
12/15/20063235.4510790.91323.5533.35210148292.490201
1/15/20073385.26802.88338.5220.09595008312.586151
2/15/20073403.710744.42340.3731.56689461344.153045
3/15/20073019.324693.49301.9381.78546422425.93851
4/15/20073302.850.00330.290425.93851
5/15/20073421.96698.78342.1919.57620151445.514711
6/15/20073486.79021.83348.6725.87498819471.389699
7/15/20073791.650.00379.170471.389699
8/15/20073660.918264.97366.0949.89203206521.281731
9/15/20073800.855160.23380.0913.57652869534.85826
10/15/20074621.050.00462.110534.85826
11/15/20074923.850.00492.390534.85826
12/15/200752240.00522.400534.85826
1/15/20085282.110328.64528.2119.55405035554.41231
2/15/20084432.653579.54443.26120.8760977675.288408
3/15/20083868.6546968.30386.87121.4074677796.695876
4/15/200839388492.18393.8021.564695818.260571
5/15/20084159.30.00415.930818.260571
6/15/20083679.7548977.26367.98133.0994137951.359984
7/15/20083085.565470.15308.55212.18652731163.54651
8/14/20083551.30.00355.1301163.54651
9/15/20083243.644398.50324.36136.88031131300.42682
10/15/20082553.391405.69255.33357.99040071658.41722
11/15/20082203.5566175.45220.36300.3129111958.73013
12/15/20082282.35916.68228.244.0163912841962.74653
1/15/20092133.341541.24213.33194.72758922157.47412
2/15/20092264.30.00226.4302157.47412
3/16/20092114.844213.95211.48209.06916482366.54328
4/15/20092691.30.00269.1302366.54328
5/15/20092833.650.00283.3702366.54328
6/15/20093594.250.00359.4302366.54328
7/15/20093435.738230.33343.57111.27377622477.81706
8/15/20093749.60.00374.9602477.81706
9/15/20093939.650.00393.9702477.81706
10/15/20094165.450.00416.5502477.81706
11/15/20094162.2517494.20416.2342.030630862519.84769
12/15/20094173.515700.79417.3537.620198622557.46789
1/15/20104468.150.00446.8202557.46789
2/15/20104096.269040.65409.62168.54804122726.01593
3/15/20104233.40.00423.3402726.01593
4/15/20104359.40.00435.9402726.01593
5/15/20104236.6537258.34423.6787.942926042813.95885
6/15/20104314.85904.17431.4813.683522222827.64238
7/15/20104468.450.00446.8502827.64238
8/15/20104554.455100.54455.4511.199028792838.8414
9/15/20104861.30.00486.1302838.8414
10/15/20104998.70.00499.8702838.8414
11/15/20105042.812884.15504.2825.549590542864.39099
12/15/20104760.365092.33476.03136.73997153001.13097
1/15/20114566.7553807.31456.68117.82408353118.95505
2/15/20114365.7557719.04436.58132.20876993251.16382
3/15/20114399.6514095.47439.9732.037706083283.20153
4/15/20114730.50.00473.0503283.20153
5/15/2011446971463.66446.90159.90972883443.11125
6/15/20114457.324031.84445.7353.915680563497.02693
7/15/20114527.256967.10452.7315.389246093512.41618
8/15/20114150.66102968.03415.07248.07628883760.49247
8/15/2011-1560852.57




Total Investment1283922.78
Received1560852.57








Absolute Return22%
CAGR9.08%















Systematic Investment Plan (SIP)
MonthMarket Values (Nifty)Monthly Investment (Rs.)NAV (Rs.)UnitsUnits @ end
4/15/20062943.910000294.3933.9685451333.96854513
5/15/20063007.810000300.7833.2468914267.21543654
6/15/20062299.2510000229.9343.49244319110.7078797
7/15/20062560.1510000256.0239.06021132149.768091
8/15/20062730.110000273.0136.62869492186.396786
9/15/20062898.910000289.8934.49584325220.8926292
10/15/20063090.2510000309.0332.35984144253.2524707
11/15/20063225.6510000322.5731.00150357284.2539742
12/15/20063235.4510000323.5530.90760172315.161576
1/15/20073385.210000338.5229.54035212344.7019281
2/15/20073403.710000340.3729.37979258374.0817207
3/15/20073019.310000301.9333.12025966407.2019803
4/15/20073302.8510000330.2930.27688209437.4788624
5/15/20073421.910000342.1929.22353079466.7023932
6/15/20073486.710000348.6728.68041415495.3828073
7/15/20073791.6510000379.1726.3737423521.7565496
8/15/20073660.910000366.0927.3156874549.072237
9/15/20073800.8510000380.0926.30990436575.3821414
10/15/20074621.0510000462.1121.64010344597.0222448
11/15/20074923.8510000492.3920.3093108617.3315556
12/15/2007522410000522.4019.1424196636.4739752
1/15/20085282.110000528.2118.93186422655.4058395
2/15/20084432.610000443.2622.56012273677.9659622
3/15/20083868.6510000386.8725.84881031703.8147725
4/15/2008393810000393.8025.39360081729.2083733
5/15/20084159.310000415.9324.04250715753.2508805
6/15/20083679.7510000367.9827.17575922780.4266397
7/15/20083085.510000308.5532.40965808812.8362978
8/14/20083551.310000355.1328.15870245840.9950002
9/15/20083243.610000324.3630.82994204871.8249423
10/15/20082553.310000255.3339.16500215910.9899444
11/15/20082203.5510000220.3645.38131651956.3712609
12/15/20082282.3510000228.2443.814489451000.18575
1/15/20092133.310000213.3346.875732431047.061483
2/15/20092264.310000226.4344.163759221091.225242
3/16/20092114.810000211.4847.285795351138.511037
4/15/20092691.310000269.1337.156764391175.667802
5/15/20092833.6510000283.3735.290173451210.957975
6/15/20093594.2510000359.4327.822216041238.780191
7/15/20093435.710000343.5729.106150131267.886341
8/15/20093749.610000374.9626.669511411294.555853
9/15/20093939.6510000393.9725.382965491319.938818
10/15/20094165.4510000416.5524.007010051343.945828
11/15/20094162.2510000416.2324.0254671367.971295
12/15/20094173.510000417.3523.960704441391.932
1/15/20104468.1510000446.8222.380627331414.312627
2/15/20104096.210000409.6224.412870471438.725498
3/15/20104233.410000423.3423.621675251462.347173
4/15/20104359.410000435.9422.938936551485.286109
5/15/20104236.6510000423.6723.60355471508.889664
6/15/20104314.810000431.4823.176045241532.065709
7/15/20104468.4510000446.8522.379124751554.444834
8/15/20104554.4510000455.4521.956547991576.401382
9/15/20104861.310000486.1320.570629261596.972011
10/15/20104998.710000499.8720.005201351616.977213
11/15/20105042.810000504.2819.830253031636.807466
12/15/20104760.310000476.0321.007079391657.814545
1/15/20114566.7510000456.6821.897410631679.711956
2/15/20114365.7510000436.5822.905571781702.617527
3/15/20114399.6510000439.9722.729080721725.346608
4/15/20114730.510000473.0521.139414441746.486023
5/15/2011446910000446.9022.376370551768.862393
6/15/20114457.310000445.7322.435106451791.2975
7/15/20114527.2510000452.7322.08846431813.385964
8/15/20114150.6610000415.0724.092553961837.478518
8/15/2011-762674.8585




Total Investment650000.00
Received762674.8585








Absolute Return17%

CAGR6.01%



Total Installments65

Max Installment  102968.03

No Investments   21times





Mr. Gerard Colaco: The way a Systematic Transfer Plan (STP) / SIP strategy exploits market volatility over a period of five years is indeed illuminating.
The objectives of getting an investor to make serious commitments to equity when the stock market is down and lightening those commitments when the stock market rises without sacrificing a regular long-term investing programme are achieved without the investor even being aware of it.
What made me take a serious look at Dr Michael E Edleson's concept of value averaging was the ringing endorsement it received from one of my heroes, Dr William J Bernstein. Bill Bernstein has written the foreword to the 2007 edition of Edleson's book.





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