What is the SISO Strategy?
SISO stands for Systematic In and Systematic Out. It is a dual-phased investment approach designed to help you build wealth over time while also receiving a steady income stream. Under this strategy, you invest regularly (Systematic In) during the accumulation phase and later withdraw money at set intervals (Systematic Out) during the income phase.
This strategy is available in select offerings by Bajaj Allianz Life and is best suited for long-term goals such as retirement, child’s education, or creating a supplementary income source during mid-life. Whether you are just starting your financial journey or nearing retirement, SISO adapts to your needs at every life stage.
Key Benefits of the SISO Strategy
Encourages Disciplined Investing
SISO promotes a regular investment habit. By investing fixed amounts periodically, you benefit from rupee cost averaging and the power of compounding. This disciplined approach helps you stay committed to your long-term financial goals.
Reduces Market Timing Risk
Trying to time the market is often difficult and risky. SISO helps mitigate this challenge. By spreading your investments over time and withdrawing systematically, you reduce the impact of market volatility and make your financial journey more stable.
Offers Liquidity with Continued Growth
One of the standout features of SISO is that it offers liquidity without requiring a full withdrawal. You can receive money regularly during the income phase while the remaining investment stays active and continues to grow, especially in market-linked options like ULIPs.
Suits a Range of Risk Profiles
Whether you're a someone willing to take calculated risks for higher returns, SISO gives you options. You can choose from market-linked ULIPs, depending on your comfort with risk.
Enables Better Financial Planning Across Life Stages
From early career to post-retirement, SISO can adapt to your evolving needs. Young professionals can focus on building wealth, mid-life individuals can manage family responsibilities with partial withdrawals, and retirees can enjoy a consistent income stream. These partial withdrawals are a feature of ULIPs, with SISO strategy offering a structured way to manage them.
Provides Financial Protection with Life Cover
When you invest in a ULIP with SISO, you also receive a life insurance cover. This ensures that your loved ones are financially protected in your absence, either through the fund value or a pre-agreed sum assured.
Helps Manage Cash Flow in Real Life
SISO converts your investment into periodic payouts, making it easier for families to handle monthly expenses, educational costs, or even EMIs. Instead of dealing with a large one-time lump sum, you receive smaller, manageable payments.
Simplifies Goal-Based Investing
SISO aligns well with long-term financial goals. Whether it’s planning for your child’s education, building a retirement corpus, or ensuring a steady income after retirement, SISO helps you stay focused and consistent.
Offers Flexibility and Customisation
SISO is not a fixed formula. You can tailor it to suit your needs. Decide how much to invest, how frequently you want to receive income, and over what time frame. This makes it easier to create a plan that fits your financial lifestyle.
Smooth Transition from Saving to Spending
SISO provides a seamless shift from the accumulation phase (when you are saving and investing) to the income phase (when you start drawing money regularly). This transition is automatic and doesn’t require reallocation or market timing.
Who Can Benefit from SISO?
Young Professionals (25–35 years)
Start small, stay consistent. At this stage, your focus is on building wealth. Regular investments through SISO help cultivate financial discipline and set a strong foundation. Future payouts can act as an emergency fund or help with milestones like higher education or buying a home.
Mid-Life Investors (35–50 years)
This life stage brings greater financial responsibilities—EMIs, children’s education, or saving for retirement. SISO embedded with ULIP products helps by allowing partial withdrawals (post 5 year lock-in) during this period while continuing to grow your remaining corpus.
Pre-Retirement and Retirees (50+ years)
In this phase, you begin to rely more on your accumulated wealth. With SISO, you get the comfort of regular income and the confidence that your investments are still working in the background. It’s ideal for maintaining lifestyle expenses post-retirement.
How SISO Works: Real-Life Examples
Example 1: Anil, 35 years old
Anil is a salaried individual who starts investing ₹10,000/month in a ULIP plan with the SISO strategy. After 20 years of disciplined investing, he begins receiving ₹20,000/month as income. His fund continues to grow in the background, allowing him to manage his retirement years comfortably without dipping into all his savings at once.
Example 2: Ravi, 60 years old
Ravi invests a lump sum in a ULIP plan under SISO. He starts receiving a monthly pension after the investment. This provides him with peace of mind and a predictable source of income through his retirement.
Plan That Enable SISO
ULIPs (Unit Linked Insurance Plans)
These plans combine life insurance and market-linked investment. Ideal for those comfortable with market risk, ULIPs offer long-term wealth creation potential and life cover. With SISO, you can enjoy both investment growth and structured payouts.
The SISO approach can also be applied to other investment plans from Bajaj Allianz Life, such as guaranteed income saving plans and annuity-based retirement solutions. Simply choose the appropriate plan and opt for the SISO investment option.
How to Get Started with SISO
Step 1: Define Your Financial Goals
Decide what you want to achieve — retirement planning, wealth creation, child’s education, or regular post-retirement income.
Step 2: Explore the Right Product
Go through Bajaj Allianz Life’s product offerings to identify plans that support SISO.
Step 3: Choose Investment and Income Amounts
Select how much you want to invest regularly and the income you’d like to receive later.
Step 4: Decide Time Horizons
Define your accumulation phase (when you invest) and your income phase (when you start receiving payouts).
Step 5: Consult a Financial Advisor
Discuss your goals and life stage with a certified advisor to finalise the plan that suits your risk appetite and future needs.
Step 6: Periodically Review Your Plan
SISO is a set-and-go strategy, but it's good practice to evaluate your plan annually or whenever there's a significant life change.
Why Choose SISO Now?
In today’s dynamic financial world, flexibility, consistency, and peace of mind are essential. SISO combines all three in one strategy. It lets you grow your wealth, receive regular income, and stay protected, without needing to keep track of market highs or lows.
SISO makes investing simpler and more purposeful. It is suitable for salaried professionals, self-employed individuals, and retirees alike. The strategy’s adaptability means you can tailor it to your unique financial situation and stay focused on your long-term goals.
By embedding SISO into select products, Bajaj Allianz Life offers a smart, structured, and seamless solution to navigate different life stages and financial milestones.
Conclusion
A well-balanced financial strategy not only builds wealth but also ensures regular income and protection. SISO—Systematic In, Systematic Out—delivers all three through an easy-to-follow structure. Whether you're just starting to invest or planning your golden years, SISO supports your journey every step of the way.
SISO is a holistic, life-stage-aligned solution designed to meet your needs now and in the future.
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