Decoding Equity SIPs And Mutual Fund SIPs

18 May 2023

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An SIP is an investment strategy where a fixed amount of money at regular intervals. They are a great way to invest for the long-term, as they helpaverage out your costs and lower risk.

The two main Avenues of SIPs are – mutual fund SIPs and stock SIPs.

Mutual Fund SIPs

They are suitable for investors who want to invest in stock markets but lack the time and / or expertise to pick individual stocks and hence choose the mutual fund route to invest in the market.

Stock SIPs

They are suitable for investors who are confident of investing in a single stock and have the time and expertise to pick stocks on a regular basis.


Rupee Cost Averaging

Discipline Investing

No Emotional Bias

Stock SIP Vs Mutual Fund SIP in a nutshell

Feature Stock SIP Mutual Fund SIP
Asset class Equity Equity/Debt/Gold
Risk level Higher Lower
Management Self-managed Professionally managed
Time commitment Requires more time to manage Requires less time to manage
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