Investments
How SIP returns are calculated
A SIP projection applies an assumed monthly growth rate to recurring contributions; it is a mathematical illustration, not a promised return.
Monthly rate and periods
The annual return assumption is converted to a monthly rate and the number of SIPs becomes the number of periods. WealthAura uses an annuity-due convention, so a contribution is assumed to participate in that month's growth.
What the result includes
Review total invested separately from estimated gains. In actual funds, NAV movement, expense ratios, transaction timing and market conditions mean results will not match a smooth projection.
Long horizons
Compounding has more time to act over long periods, but that does not remove market risk. A longer horizon is not a guarantee of any particular outcome.
This guide is for general education. Rules, lender terms, bank terms and individual circumstances can change the result.
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