m.a.associates

31/01/2026

Magic of 10k per month SIP in mutual funds of 6 years time horizon ?
To understand what you will get from SIP in mutual funds after 6 years by 10k investing you need to clear fund category and goal. Let us understand by different options available in mutual funds.

Large cap Fund
Suppose you are investing in large cap fund and your time horizon is 6 years . As per historical return of last 5 years average return of last 5 years approx 15 to 17 % .
So, calculation if we take as per 15 % rate
****** Years =6 , Rate of Return = 15 %

Total investment after years = 720000 Rs (10000*12*6)

Total corpus you will get after years = 11,71,000 Rs approx. (10000 * (1-(1.0125)^72/.0125).

2. Mid cap Fund

Suppose you are investing in Mid cap fund and your time horizon is 6 years. As per historical return of last 5 years average return of last 5 years approx 18 to 22 %.
So, calculation if we take as per 19 % rate.
****** Years =6 , Rate of Return = 19 %
Total investment after years = 720000 Rs (10000*12*6)

Total corpus you will get after 6 years = 13,46,000 Rs approx.

3. Small cap Fund

* Suppose you are investing in Small cap fund and your time horizon is 6 years . As per historical return of last 5 years average return of last 5 years approx 18 to 20 % .
So, calculation if we take as per 20 %
* ****** Years =6 , Rate of Return = 20 %

—Total investment after years = 720000 Rs (10000*12*6).

—Total corpus you will get after 6 years = 13,95,000 Rs approx.

4. Multi cap Fund

* Suppose you are investing in Multi cap fund and your time horizon is 6 years . As per historical return of last 5 years average return of last 5 years approx 20 to 25 %
So, calculation if we take as per 22 %
* ****** Years =6 , Rate of Return = 22 %

—Total investment after years = 720000 Rs (10000*12*6).

—Total corpus you will get after 6 years = 14,99,000 Rs approx.

———- So by above explanation you can easily take decision on which option you will invest and how much you will get from that.

So now you can understand what is advantage of SIP in your asset creation and financial journey.

Above explanation is as per general prospective so please ask your financial advisor before Investing because I don't know your Risk profile and goal.

19/01/2026

01/01/2026

🔔 Financial Reminder
2026 goals start today with SIP investments.
Consistency today = Success tomorrow.
📞 M A Associates
Misam Ali Alwani
Tax Consultant & Financial Advisor
+91-9998195123

31/12/2025

*🎬 Mutual Fund Compounder vs. Dhurandhar Movie 📈*

At first glance, both may seem slow or ordinary, but their real power unfolds over time.

*Similarities:*

• Slow start, powerful finish
Just like Dhurandhar builds its story patiently, a Mutual Fund compounder may not show instant results—but the climax is rewarding.

• Requires patience & belief
You need to trust the storyline of the movie till the end, just as you must stay invested to experience the magic of compounding.

• Small scenes create big impact
Every SIP is like a small scene—insignificant alone, but together they create a blockbuster outcome.

• Time reveals true value
The real depth of the movie is understood only after completion; similarly, wealth creation is visible only with time.

• Those who stay till the end benefit most
People who leave the theatre early miss the message—investors who exit early miss compounding.

*🎯 Conclusion:*
Blockbusters are not made in haste. Wealth isn’t either.
Stay invested. Let compounding complete the story.

28/12/2025

28/12/2025

*📌 SIP Success = Time in the Market, NOT Timing the SIP*

*For long-term goals (15–20–25 years), what truly matters is continuing your SIP consistently.*

⏳ Daily, Monthly, or Quarterly SIP
📅 1st, 5th, 20th, or 25th of the month

*👉Returns remain broadly similar over the long run.*

🔑 Key takeaway:

Don’t stress about the date of SIP

Don’t pause SIP trying to “time” the market

Focus on discipline + long-term consistency

*💡 Time in the market beats timing the market. Always.*

Stay invested. Stay patient. Let compounding do the heavy lifting. 🚀📈

01/11/2025

🚀 Biggest Reform in GST Registration!

GST Registration to be granted electronically without manual intervention (as recommended in the 56th GST Council Meeting)

✅NNo. 18/2025 dt. 31.10.2025 inserts Rule 9A & 14A in CGST Rules, enabling auto-approval of registration based on data analytics & risk parameters - within 3 working days.

🆕 Rule 14A Option on Portal:
If the ITC to be passed on ≤ ₹2.5 lakh per month, taxpayers can opt for electronic registration (Aadhaar authentication mandatory).

💡 Live Example:
📌Application filed: 11:30 AM
📌Aadhaar link received: 11:56 AM
📌GSTIN allotted: 12:51 PM

A landmark step towards Paperless &
Seamless GST Registration!

Follow me for more practical updates on GST Electronic Reg.!!

23/10/2025

The Defence Acquisition Council, led by Defence Minister Rajnath Singh, cleared proposals worth Rs 79,000 crore on October 23 to buy new missile systems, high mobility vehicles, naval surface guns and other equipment for its armed forces.