Rajeev Thakkar SIP Expectations: What Investors Should Really Expect in 2025–26
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Over the past few weeks, one topic has been trending strongly on Google — “Rajeev Thakkar SIP expectations.” Rajeev Thakkar, the respected CIO of PPFAS Mutual Fund, recently shared practical insights about SIP returns, long-term wealth building, and what investors should realistically expect from the markets in the coming years.
His message is clear: SIPs can build wealth — but not unrealistic billionaire-level riches.
💡 Why Did Rajeev Thakkar’s SIP Statement Go Viral?
In simple language, Rajeev Thakkar reminded investors that:
- A ₹1,000 or ₹2,000 monthly SIP will NOT make anyone a Mukesh Ambani or Elon Musk.
- Investors should expect 10–12% annual returns in the long run — not 20–25% every year.
- Consistent investing matters more than predicting short-term market moves.
- Large-cap stocks remain his preferred segment for stability in 2025–26.
This honest and practical advice quickly became viral because many new investors enter the market with extremely high expectations.
📈 What Returns Should You Expect From SIP in 2025 & 2026?
According to Rajeev Thakkar and other market experts, the realistic long-term SIP return range is 10–12%. This is based on historical performance of Indian equity markets.
Here’s what this means:
- If your SIP is ₹1,000/month → You can build wealth, but slowly.
- If your SIP is ₹5,000–₹10,000/month → You’ll see major compounding in 10–15 years.
- If your goal is a large corpus → Increase SIP every year (step-up SIP).
In short: SIPs work — but they require patience and discipline.
💼 Why Rajeev Thakkar Prefers Large-Cap Stocks for 2025–26
Thakkar believes that the next few years may be more favourable for:
- Large-cap companies
- Stable compounders
- Businesses with strong cash flows
Small-cap and mid-cap valuations are high, so he advises caution. Investors should not chase high-risk stock categories expecting extraordinary SIP returns.
📊 Should You Stop or Change Your SIP?
No — SIPs should not be stopped based on market noise.
If anything, this is the best time to:
- Continue SIPs regularly
- Increase contributions during market corrections
- Use a step-up SIP strategy
SIPs work best when markets go through ups and downs. The longer you stay invested, the better your compounding becomes.
🧠 Final Thoughts: The Right SIP Mindset
Rajeev Thakkar’s message is not discouraging — it is empowering. He simply wants investors to understand the truth:
SIPs create wealth — but not overnight miracles.
For real success, investors should:
- Stay invested for 10–20 years
- Have realistic expectations (10–12% returns)
- Select funds based on fundamentals, not hype
- Increase SIP contribution steadily
If you follow these principles, your SIP can help you achieve financial independence — even if it doesn’t turn you into a billionaire.
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