You can end up in negative returns even after 5 years of disciplined SIP according to historical data. Secure your investment with Nifty Terminal, which helps you optimize your SIPs and reduce the risk of losses using a data-driven approach.
Invest in equity this month?
Nifty Terminal Indicator · As of 23 SEPT 2026
Yes, Market sits in a fair zone
This month’s new SIP money: 100% equity. Existing investments stay unchanged.
+15.00%
Avg 1 yr forward return
About 14.52% observations ended negative, while 69.08% gave better than FD returns. That historical balance is why the model assigns this month’s new money fully to equity.
Past data cannot promise future returns.
The best-valued index changes over time. Nifty 50 is a useful default, but it is not always the best place for new money. Comparing indices before investing can improve the odds and reduce the risk of overpaying.
Which index looks best valued this month?
Same SIP, better route
NIFTY 50 only
12.60%
Best value route
17.90%
Real backtested data
Ten opinions later, you still do not know how your portfolio compared with a simple NIFTY 50 fund in the past. It deserves a test, not another opinion.
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