The new year is on its way with new hopes and dreams, and we all want to be ready in every way for the surprises this year brings. Many of us have already pre-planned our financial goals and expectations by smartly making investments in mutual funds. 

Yet there are a lot of us who haven't started investing, and the reasons are countless; shortage of corpus funds, inevitable market risks, lack of knowledge on best mutual fund schemes and so on, but the answer is only one SIP (Systematic Investment Plan). 

You must be hearing SIP throughout your day, from co-workers bragging about their assets, on FM radio while driving back home or even on the commercial breaks while watching your favorite sport. And you must be wondering what this SIP is all about. Is this something that I can do? Well, YES!!

SIP is a clever and uncomplicated way of investing in mutual funds, and these investments can be as little as 500-1000 ₹ per month. Also, you can choose for how many months and at what time intervals you want to invest.

Simply put, SIP is a staggered way of investing instead of investing a lump sum amount in a mutual fund. Therefore, SIP is accessible on the pocket, flexible, and disciplined investment to help you achieve your long-term financial goals without any hassle.

Since there are so many mutual funds available in the market, beginners may get confused in deciding which one to choose. Therefore, we have quoted down some of the best performing SIP mutual fund schemes that you can trust and start investing in. But before that, few quick tips to follow while planning for SIP.

· Choose schemes that are aligned with your financial goals
· Don't ignore the associated market risks
· Your SIP should have a mix of small-cap funds, large-cap funds & Flexi-cap  funds
· Select most suited funds based on asset allocation meant for you
·   Do not stop or discontinue investing midway

It is the most stable and consistent performer among mutual fund SIPs. This large-cap fund has shown around 32% returns in 2017 and 9% returns in 2019.

ICICI Prudential BlueChip Fund is recommended for investors who are patient and aim for long-term growth in equity schemes. So, do not worry if there is no rapid growth in this SIP, keep investing, and you will get high returns over a period.

If you are not a fan of risk-taking, then PGIM India Flexi-Cap Fund is a suitable SIP for you. This Flex-cap fund provides maximum security by adapting to the market's volatility. 

It is advised to invest in this SIP for 3-4 years and not get concerned over minimal losses as it will give you high returns towards the end of the plan. With 68.98% three-year returns and 23.47 one-year returns, this is one of the best SIPs to go for in 2022.

Investing in SIP is all about knowing where to invest and what to expect from your selected SIP mutual fund. Once you know your investment goals and the most suitable plan as per your asset allocation, you are set. So, start your SIP investment today and get future-ready for tomorrow.