Invest wisely, Pay Less

Save more with SIPY’s flat percentage fees (0.25%) model unlike traditional funds that charge 1-2% & eat into your wealth

The right investments to grow your wealth

SIPY uses smart algorithms to select the best of the Index, ETF & Active Funds that deliver optimal returns at Low risk

Reach your investment goals with our Personalized Guidance

SIPY helps you build Smart, Stress-free, Low cost Mutual fund & ETF portfolios tailored to your financial goals

Sipy Savings Calculator

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  • Note: *As of Dec `24, SIPY's portfolio fees is at 0.51% vs other portfolio commission of 1.4% for an all equity portfolio.
  • This is a hypothetical illustration of the cost benefit that an invetsor will get based on low fees. Actual result may vary based on the market conditions and other factors.

SIPY's low fees can help you save 0

Sipy Portfolio: ₹0
Others Portfolio: ₹0

Why Choose SIPY

Our vision is to make high-quality financial advice accessible to all, inspiring every individual to confidently take control of their financial future

Low Risk, Low Stress Investments

SIPY's mutual fund portfolios use Index Funds, ETFs, and carefully selected active funds to minimize investment risks for investors

Flat Percentage fees model

SIPY has no hidden commissions or biases. Recommendations are based purely on what benefits the client, not on commissions from fund houses

Personalized Advice

SIPY customizes your portfolio as per your risk profile, goals and financial milestones. Your goals, your Portfolio

Empowering Investors

SIPY gives you clear insights into your financial health, fund performance, and market trends. This helps you invest smarter and understand how your portfolio works for you

Invest in the best mutual funds.

The Steady-Saver Portfolio

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Your Safe and Smart Way to Beat FD Returns and Inflation

Aditya Birla Sunlife Liquid Fund - Direct: 10%

Debt

UTI Low duration fund - Direct: 50%

Debt

HSBC short duration fund - Direct: 10%

Debt

Axis Nifty 100 Index fund - Direct: 30%

Equity
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The All-Weather Portfolio

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Achieve growth at a reasonable risk while enjoying the benefits of a diversified portfolio

UTI Low duration fund - Direct: 30%

Debt

Axis Nifty 100 Index fund -Direct: 40%

Equity

Motilal Oswal Midcap 150 index fund-Direct: 15%

Equity

Axis digital gold fund - Direct: 15%

Other
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The All-Equity Advantage Portfolio

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Aim High, Grow Aggressively with 100% Equity Exposure

Axis Nifty 100 Index fund - Direct: 55%

Equity

Motilal Oswal Nifty Midcap 150 index fund-Direct: 20%

Equity

Motilal Oswal S&P 500 Index fund-Direct: 15%

Equity

Axis digital gold fund - Direct: 10%

Other
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Looking to evaluate your existing Mutual fund portfolio or create a personalized plan? Reach out to us!

Don’t Just Take Our Word for It

Listen to what our Investors have to say!

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-Dr. Sowmya

CTVS Surgeon, Apollo Hospital

Finally, unbiased advice I can trust.

I used to rely on mutual fund ratings and tips from friends, which often left me disappointed. SIPY’s honest, transparent approach gave me a well-balanced portfolio that actually works for me. Highly recommended for anyone tired of complicated investing advice!

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-Rajkumar

Senior Manager, Amazon

Investing made simple and stress-free!

Was always overwhelmed by the idea of investing, but SIPY changed it. Their personalized guidance helped understand my risk tolerance and set clear goals. Now, I am confident about my financial future, and their flat fee is such a great value!

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-Rathish

UX Lead

SIPY makes every rupee count!

I love how affordable and user-friendly SIPY is. Their low-cost portfolios and clear explanations make investing so much easier to understand. Plus, their focus on my goals rather than just returns really sets them apart.

Still Not Sure?

Read What Industry Veterans Say About the Benefits of Index and ETF Investing

The winning formula for success in investing is owning the entire stock market through an index fund, and then doing nothing. Just stay the course.

John C Bogle

Founder of Vanguard

By periodically investing in an index fund, the know nothing investor can actually outperform most investment professionals

Warren Buffet

Chairperson of Berkshire Hathway

The People Behind SIPY

Karthic Raja

15+ Years of Experience

Ex Target, Amazon | IIM Bangalore

Jayaprakash Karunakaran

10+ Years of Experience

Ex Flipkart, Nike | IIM Bangalore

Frequently Asked Questions

Unlike traditional advisors, SIPY offers transparent, algorithm-driven recommendations at a flat fee. No hidden charges, no commissions- just unbiased advice tailored for you

SIPY’s portfolio primarily includes:

  • Index Funds: Low-cost funds designed to match the performance of a market index.
  • ETFs (Exchange-Traded Funds): Flexible and diversified investment options.
  • Curated Active Mutual Funds (mostly debt funds): Carefully selected based on consistent performance and alignment with your financial goals

SIPY aims to keep both risk and costs as low as possible while helping you achieve your investment objectives.

Studies show that over 70% of active mutual funds fail to outperform their benchmarks, as per S&P’s Active vs Index analysis. Additionally, these funds charge high fees (1-2%), which often eat into returns.

Top-performing funds from five years ago often fall behind today, leading to frequent portfolio changes and uncertainty.

SIPY minimizes these risks by focusing on Index Funds and ETFs. These options aim to closely track benchmarks at a much lower cost, providing consistent and reliable growth.

Yes, SIPY provides tailored advice for:

  • Short-term goals: Such as vacations, gadgets, or emergency funds.
  • Long-term goals: Including retirement, home purchase, or children's education.

However, SIPY does not offer trading ideas or individual stock picks, focusing instead on goal-oriented investment strategies.

Yes, SIPY evaluates your existing mutual fund portfolios based on returns, risk, and cost parameters. We then compare these with your financial goals and provide recommendations if any changes are needed to better align with your objectives.

SIPY operates on a flat percentage fee model, charging 0.25% per year of your portfolio value. This is in addition to the fund house fees, which are typically around 0.25%-0.30%.

Example:
If you invest ₹10,000 per month for a year and your portfolio grows at 12% annually:

  • You would pay roughly ₹28 per month as fees in the first year.
  • Out of this, ₹14 goes to the fund house and ₹14 to SIPY.

 

This transparent model ensures SIPY’s interests are aligned with yours, keeping costs low while focusing on your financial growth Hop on to our Pricing section to understand how SIPY saves you cost

No, there’s no lock-in period with SIPY. Your money is invested in open-ended instruments, allowing you to withdraw whenever you want

However, some funds may have an exit load if redeemed within a specified period (typically within one year). This fee is charged by the fund house and not by SIPY

Yes, SIPY’s principal officer is registered with AMFI (Association of Mutual Funds in India) to distribute mutual fund portfolios and offer advice incidental to mutual fund distribution

Our AMFI Registration Number (ARN) is 190682.

We are also planning to apply for a Registered Investment Advisor (RIA) license to expand our range of investment advisory services