Starting your investment journey doesn’t have to be overwhelming. Whether you're a complete beginner or someone who's been putting it off, this guide is designed to help you take that first step with confidence. With CubePlus, investing in mutual funds, be it equity, debt, or ELSS, is simple, quick, and fully online. From choosing the right fund to placing your first order, we’ll walk you through everything you need to know to begin your SIP, one step at a time.
This blog is for you if you’ve opened a CubePlus account and found yourself wondering, ‘Where do I even begin?’
SIP or One-Time? Start with what fits you
When you hear financial experts talk about SIPs (Systematic Investment Plans) or lump sum investments, it’s easy to feel confused. But here’s a real-world breakdown to help you decide:
One-Time Investment (lump sum)
Let’s say you got a bonus or have idle money in your bank account. A lump sum investment means putting a chunk of it into a mutual fund in one go. You’re in control of the timing, which is great if you have a plan and want to invest and forget.
SIP (Systematic Investment Plan)
This is a more beginner-friendly way to start investing. Just choose an amount, even ₹500 is enough, and select a date. Every month, the exchange clearing corporation will automatically debit the SIP amount from your bank account and pass it on to the respective AMCs for the issue of units. It’s consistent, hands-free, and takes the guesswork out of timing the market.
SIPs are ideal if you're building the habit of investing while managing monthly expenses.
How to place your first mutual fund order on CubePlus
Whether you’re investing in equity mutual funds, liquid funds, or hybrid schemes, the process is simple and nearly identical for SIP and one-time investments.
Step 1: Pick a mutual fund
Navigate to the Mutual Funds section on CubePlus. You can filter options based on risk level, return potential, or investment goals, whether you're aiming for short-term gains, tax savings, or stable income through debt funds.
Step 2: Choose your investment type
Choose between SIP and a One-Time investment. There’s no pressure. You can always switch later.
Step 3: Enter the amount
You can start with ₹500 or go bigger; just enter what suits your budget and comfort level.
Step 4: Set the start date (for SIPs)
Select the date you want your monthly SIP amount to be debited from your bank account. This will sync with your bank’s auto-debit cycle for smooth, on-time investments.
Step 5: Hit ‘Start SIP’ or ‘INVEST’
Done! You have just bought your first mutual fund units. Your portfolio is now live.
Once your payment is completed via UPI or netbanking, the order gets processed, and units are allotted within T+2 working days. These units will reflect in your demat holdings and can be tracked from the CubePlus Mutual Fund platform under the ‘Holdings’ tab. You can also automate your SIPs for future investments, so you never miss a date.
Kindly note that an approved mandate is a prerequisite for all SIP orders. For the first time to place SIP orders, you need to complete the ‘Create New Mandate’ flow and need to proceed after it is approved.
So, you placed your first order. What happens next?
Congratulations, you are now an investor! From here, it's all about staying consistent. Whether you have chosen SIP or lump sum, your investment will begin to grow based on the performance of the underlying equity, debt, or hybrid assets in your mutual fund.
You can view and manage everything under the Mutual fund > Holdings section in CubePlus:
- Track mutual fund returns in real time.
- Cancel your SIPs, view SIP details.
- Diversify into other mutual fund schemes.
Also Read: How to Invest ₹500 Monthly in Mutual Funds
What happens after you start a SIP?
Next month:
Your chosen amount will be auto-debited. Additional mutual fund units will appear in your demat account.
After a few months:
You will begin to notice your investments compounding. You might even consider adjusting your SIP amount or starting another.
After a year:
You will have developed a steady investment habit. Mutual fund investing will feel structured, and you will likely be more confident in managing your finances.
Tips for first-time investors on CubePlus
Here are some bonus insights to build a diversified portfolio and avoid common beginner pitfalls:
- Start small, but be regular. A ₹500 SIP in an equity mutual fund is better than waiting endlessly to invest ₹50,000.
- Diversify across asset classes. Don’t put all your money in equity. Try a mix of debt funds, liquid funds, and even tax-saving funds.
- Watch the expense ratio. Lower ratios generally mean more of your money goes toward actual growth.
- Stay invested. Time in the market is better than timing the market.
- Know your goals. Whether it’s retirement, a car, or your child’s education, align your investments accordingly.
Start small. Stay consistent. Let time do its job.
Your first mutual fund investment isn’t about making a fortune overnight, it’s about building a habit that quietly compounds into wealth. With CubePlus, you don’t need to be an expert. Just choose a fund, pick SIP or lump sum, and show up each month.
One simple decision today could redefine your financial story five years from now. Start with your first ₹500, and let the journey begin.
Disclaimer: The information provided in our blogs is for informational purposes only and should not be construed as financial, investment, or trading advice. Trading and investing in the securities market carries risk. Always conduct your own research and consult with a qualified financial advisor before making any investment decisions. Past performance is not indicative of future results. Copyrighted and original content for your trading and investing needs.
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