Plan in lakhs · Invest in SIPs

Goal-based investing for Indian employees

Name your target, set a timeline, and let Saventh suggest how much to invest each month — then track progress in the investor app.

A generic portfolio is hard to stick with. Goal-based investing gives every rupee a purpose: home down payment in 7 years, child's MBA in 12, or retirement corpus by 60. Saventh templates use Indian context — lakh targets, inflation assumptions, and tax-aware fund picks.

Are you an HR?

Goal planning for salaried employees in India

Goal templates built for Indian life stages

Keywords: home down payment SIP India, education fund mutual fund, retirement planning salaried

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Home down payment

Target ₹15–40 lakh over 5–10 years; equity-heavy mix for long horizon

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Child education

From school fees fund to higher-education corpus; step-up SIP as income grows

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Retirement

Pair with NPS and EPF view; model corpus need with `/calculators/retirement`

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Emergency fund

6 months expenses in liquid or debt funds before aggressive equity goals

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Wedding / major event

Fixed date targets with conservative-to-balanced allocation

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Wealth creation

Open-ended growth goal without a fixed deadline

From goal to SIP in four steps

1. **Name & amount** — Enter target in ₹ (e.g. ₹20 lakh) and target year.

2. **Risk & horizon** — Saventh suggests equity and debt mix based on years remaining — you confirm.

3. **Monthly SIP** — See suggested instalment; adjust for your salary comfort.

4. **Track progress** — Dashboard shows funded %, XIRR, and nudges if you fall behind.

Use free calculators first if you prefer to model assumptions. → `/calculators`

Next step: Start in investor app.

1. **Name & amount** — Enter target in ₹ (e.g. ₹20 lakh) and target year.

2. **Risk & horizon** — Saventh suggests equity and debt mix based on years remaining — you confirm.

3. **Monthly SIP** — See suggested instalment; adjust for your salary comfort.

4. **Track progress** — Dashboard shows funded %, XIRR, and nudges if you fall behind.

Use free calculators first if you prefer to model assumptions. → `/calculators`

Next step: Start in investor app.

Goals work better with literacy and tax awareness

Before setting an aggressive equity goal, complete Learn quests on risk and volatility. → `/products/learn`

For tax-saving goals, link ELSS SIPs to your 80C plan — not as a standalone tick-box. → `/products/tax`

Insurance goals (term cover, health) sit alongside investment goals in a full financial plan. → `/products/insurance`

Before setting an aggressive equity goal, complete Learn quests on risk and volatility. → `/products/learn`

For tax-saving goals, link ELSS SIPs to your 80C plan — not as a standalone tick-box. → `/products/tax`

Insurance goals (term cover, health) sit alongside investment goals in a full financial plan. → `/products/insurance`

HR-led goal campaigns that drive participation

Organisations run themed campaigns — "Retirement readiness month" or "First SIP challenge" — with cohort leaderboards and HR dashboards showing goal creation rates.

Next step: Book employer demo.

Organisations run themed campaigns — "Retirement readiness month" or "First SIP challenge" — with cohort leaderboards and HR dashboards showing goal creation rates.

Next step: Book employer demo.

Free calculators to stress-test your goals

Tool	Link
SIP calculator	`/calculators/sip`
Retirement calculator	`/calculators/retirement`
Inflation calculator	`/calculators/inflation`
Lumpsum calculator	`/calculators/lumpsum`

Frequently asked questions

See **Page FAQs** below.

Projections are illustrative. Mutual fund investments are subject to market risks. Saventh is AMFI-registered (ARN 324457).

See **Page FAQs** below.

Projections are illustrative. Mutual fund investments are subject to market risks. Saventh is AMFI-registered (ARN 324457).

Frequently asked questions

How does Saventh calculate suggested SIP amounts?

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Based on target amount, years to goal, assumed return range, and optional inflation adjustment. You can override any assumption before confirming.

Can I change a goal after creating it?

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Yes. Modify target amount, date, SIP, or linked funds from the investor app.

Should emergency fund be a separate goal?

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Yes. Financial planners recommend 3–6 months of expenses in liquid or debt funds before long-term equity goals.

Are goal projections guaranteed?

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No. Markets fluctuate. Goals show progress against targets using actual holdings and illustrative projections.

Can HR set organisation-wide goal themes?

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Yes. Workplace campaigns can promote specific goal types with aggregate reporting on the HR portal.

Give every rupee a purpose

Create your first goal in the Saventh investor app — start from ₹500/month SIP.

Projections are illustrative. Mutual fund investments are subject to market risks. Saventh is AMFI-registered (ARN 324457).

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.

Saventh Investment makes no warranties or representations, express or implied, on products offered through the platform of Saventh Investment. It accepts no liability for any damages or losses, however, caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
Investments in Securities markets are subject to market risks, read all the related documents carefully before investing.

AMFI Registered
ARN - 324457