Survey about SIP

[rajivnc]

How many of us does win / lose our money which is invested via SIP ?

 

[It_is_Andrew]

I appreciate such a post but I frankly find no point in such question because by objective SIP is for averaging loss or profit or in other words to minimize effect due to market fluctuations.

In a constantly uprising market sip would return less profit than one who invests lump-sum at the beginning and in a downward market it would be opposite. SIP is there only to minimize effects of such fluctuations and also to avoid investor sentiment and create a forced habit of investing.

btw I'm a novice in investing - those were as par my understanding so far, please correct me if I'm wrong.

 

[rajivnc]

I appreciate such a post but I frankly find no point in such question because by objective SIP is for averaging loss or profit or in other words to minimize effect due to market fluctuations.

In a constantly uprising market sip would return less profit than one who invests lump-sum at the beginning and in a downward market it would be opposite. SIP is there only to minimize effects of such fluctuations and also to avoid investor sentiment and create a forced habit of investing.

btw I'm a novice in investing - those were as par my understanding so far, please correct me if I'm wrong.

15 viewers so far and only one did the voting. I expect all the experienced investors may participate in this voting. This will really motivate the novice investors...!!

 

[blueninja]

15 viewers so far and only one did the voting. I expect all the experienced investors may participate in this voting. This will really motivate the novice investors...!!

Hello

U don't loose money while investing through SIP , Like said above SIP yealds less profit whe the market is high . But during marking down trun it performs even better as you can buy more units . And with more units in hand u can ripe the profit when the markets goes up.

trust that help :clap:

 

[URPradhan]

NO, ONLY IFF you have invested for at least 1+yr.

 

[rajivnc]

NO, ONLY IFF you have invested for at least 1+yr.

Good, the success rate is still growing. Its 10 NOT OUT.

This is really motivating...:clap:!!

 

[surfingminds]

My Ans is Yes not that i lost money but i lost the money i should have earned if i invested lumsum

I invested in reliance growth one sip under family members name and lumpsum

at the end of 12 months SIP 12 k where 15500
And My lump sum 25 K where 50k

Don't you think i lost almost 5 or 6 k by SIP way ,

SIP is good when you don't have money and it will come in future

STP is better when you have monney and you can do systematic transfer whenever market corrects

 

[nandakumargupta123]

:clap:sip binds u to particular dates of the month to buy even if market is high on the day . investment on dips by dividing surplus money with random fluctuations with gaps when index goes up and buying in dips is better.

 

[rajivnc]

My Ans is Yes not that i lost money but i lost the money i should have earned if i invested lumsum

I invested in reliance growth one sip under family members name and lumpsum

at the end of 12 months SIP 12 k where 15500
And My lump sum 25 K where 50k

Don't you think i lost almost 5 or 6 k by SIP way ,

SIP is good when you don't have money and it will come in future

STP is better when you have monney and you can do systematic transfer whenever market corrects

Dear Surfing mind, you got this advantage for the Lumpsum investment, since you have invested when the markets are down. Its pure luck that you are able to time the market.

SIP always lags behind lumpsum for a growing market. But Over a long term ie > 3 years There will be ups and downs in the market and in such cases, there are chances for the SIP investor to buy units at a lower price compared to the lumpsum NAV price.

Any way vary happy to hear that Mutual fund investments [lumpsum and SIP] are giving positive returns. All the best.
Keep investing for a long term :thumb:

 

[rajivnc]

:clap:sip binds u to particular dates of the month to buy even if market is high on the day . investment on dips by dividing surplus money with random fluctuations with gaps when index goes up and buying in dips is better.

If one is comfortable with these kind of investment then that will be good. For most of us this just create more strain.