Employee money guide

Annual SIP Review Checklist

Review SIP amount, goals, asset allocation, fund performance, income changes, and risk once a year.

Direct Answer

An annual SIP review helps you keep investments aligned with salary growth, goals, risk, fund performance, and asset allocation.

Key Takeaways

Review SIPs once a year.
Increase SIPs after income growth if cash flow allows.
Do not stop SIPs only because markets are volatile.

What to review

Check goal progress, SIP amount, step-up need, asset allocation, fund category, fund performance against benchmark, and emergency fund status.

What to avoid

Avoid switching funds too often, chasing last year's top performer, or stopping long-term SIPs because of short-term market falls.

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FAQs

How often should I review SIPs?

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Annual review is enough for most long-term goals unless income, goals, or risk profile changes materially.

Reviewed by the Saventh Financial Literacy Team. Educational information for Indian employees — not personalised advice. Mutual fund investments are subject to market risk. Saventh AMFI ARN 324457.

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Saventh Investment is an AMFI Registered Mutual Fund Distributor.

Disclaimer: Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.

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Investments in Securities markets are subject to market risks, read all the related documents carefully before investing.

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ARN - 324457