If someone is investing from their salary, monthly SIP is ok,
For first year with SIP we get approx 55% of the interest we would get, if we load upfront.
However later on the compounding effect is the same, eventually it hardly matters . . .
As they say with a long term investment, time in the market is more important
All this applies more to saving, with trading these kind of excel sheets not really important
one needs to focus on capital preservation and thus focus more on risk management
.