New Delhi, Oct. 12 -- If you invest through a systematic investment plan (SIP) to achieve long-term financial goals over 20 years, you also need to consider increasing your contributions as your income rises and accounting for inflation to stay on track with your goals.

A step-up SIP is a mutual fund investment feature that automatically increases your regular SIP contribution by a fixed amount or percentage at scheduled intervals, usually every year.

Here are the 5 equity funds with the highest 20-year returns and how your final wealth in October 2026 could have varied if you had started a SIP two decades ago and increased your contribution by 10% every year.

Suppose you had started a Rs.1,000 monthly SIP in Nippon India ETF Nifty Nex...