Investing

You have ₹1,00,000 to invest. Do you put it in all at once, or spread it out through a SIP over the next few months?

Ask a mutual fund distributor and you’ll hear: “Do SIP, it protects you from market ups and downs.”

Ask someone who follows the data and you’ll hear: “Lump sum wins, because your money gets more time in the market.”

Both are partly right. But they’re both skipping one simple question — the one that actually decides the answer for you:

84% of large-cap active funds in India failed to beat their own benchmark over 10 years. That’s not a hot take — it’s S&P’s own scorecard. I’ll show you the exact numbers below.

“Mutual Fund Sahi Hai.” You’ve heard that line more times than you can count — on TV, on YouTube pre-rolls, maybe from a relative who “does SIPs.” It’s a good campaign. It got an entire country investing instead of only buying gold and fixed deposits.