Smart
Auto Triggers
AI with rules-based logic boosts XIRR by +2% (up to 6.75%) by auto-deploying 30% more capital over 3 years. It moves with the market, investing when it matters.
Time-Tested Performance
Scientifically tested across 15 years of historical data, using rolling windows to account for different market conditions. The system is future-proof with no overfitting or bias.
AI-Driven
Wealth Engine
The platform analyzes market conditions in real-time and auto-adjusts your SIP. No guesswork, just smarter timing that aligns with long-term growth opportunities.
Versioned to Outperform
This is just the beginning. Our expert team is continuously evolving SafeSmartSIP’s capabilities, adding more flexibility, variations, and better results.
Engineered for
Higher Returns
SIP investments are great, and are considered one of the best vehicles for long term investing. However there is missed juice because in a long enough time horizon there are opportunities as the economy rarely follows a straight line. So everyone should ask the question: Why not get that extra juice?
This engine is developed with the aim to maintain the discipline and stability of SIPs, while not leaving the free juice behind.
Results
+2% XIRR
Average increase over a 3-year period
By dynamically increasing SIP contributions during undervalued periods, our system delivers an average of 2% higher XIRR than standard SIPs, with just 30% more capital invested.
How Does
It Work
Safesmartsip introduces a rules-based, AI-powered overlay to traditional SIPs. By identifying periods of relative undervaluation, the system automatically allocates additional capital—up to 30%, during market slowdowns, enhancing accumulation without altering the underlying portfolio structure.
The model is rigorously backtested using a rolling-window methodology across 18 years of historical data and hundreds of mutual fund schemes. This ensures consistent performance, avoids overfitting, and provides a scalable, evidence-based approach to improving long-term SIP outcomes.
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Does this change a portfolio?No, it enhances your existing portfolio by adding a smart investment pump without altering its structure.
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What are the features of the product?It increases your SIP amount automatically when slow growth is detected, allocating 1x to 3x of the SIP amount in any given month, leading to 30% more capital in 3 years. Future updates will allow for more flexible allocations and bespoke options.
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What’s the risk?The risk is the additional 30% capital invested in your existing SIP portfolio, as part of the increased investment.
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What are the fees?Fees are waived if SmartSIP doesn’t outperform traditional SIP by a minimum of +0.5% XIRR. Reach out for more details.
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How it actually works?The standard SIP amount remains fixed, and additional investments are made between fixed dates based on market conditions.
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Is this trying to time the market?No, it’s based on existing market movements in managed portfolios. No predictions are made; investments happen only when opportunities arise.
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How is the integration?The product can be integrated via API triggers or as a white-label plug-and-play solution for platforms.
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Who is it for?It’s designed for mutual fund distributors who want to add value and enhance capabilities for long-term investors.
Team
Tushar Gerg
(Founder)
Applied AI expert, 13+ years of engineering, analytics, product management experience.
Amrit
(Developer)
AI expert with an interest in LLMs and financial markets
Amarildo
(Advisor)
PhD in Math and Applied AI, developed similar strategies for the Italian fixed income markets.