When people first start exploring investments, the terms "mutual funds" and "SIP" often get used almost interchangeably. It creates a bit of confusion. Are they the same thing? Is one better than the other? Or are they simply two sides of the same idea?
A SIP is a method of investing a fixed sum at regular intervals, typically every month, into a mutual fund. Instead of putting in a lump sum and worrying about when to enter the market, you spread your investment over time. This approach removes a lot of the emotional decision-making that tends to hurt long-term returns. You are not trying to outguess the market. You are participating in it, steadily.
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