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Confuse between SIP AND Single Investment

Hello All,

Everytime i heard about 12 % CAGR with SIP Investment.

we plan our retirement based on this with investing through SIP. but whatever the fund analysis we are doing and come to end with CAGR of 15%, No where it is mentioned that this is the return by SIP.

Very straight. watever the returns we are seeing on fund card, are they calculated for SIPs or those are the returns of money once invested and calculated after 5 or 10 or 15 years?

Please Clarify..

 

 

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