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Don’t invest in SIPs randomly. With Zenith Finserve’s SIP advisory, your investments are aligned to your financial goals, risk comfort, and market cycles.
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Anuj Kesarwani is the founder of Zenith Finserve. He has more than a decade of experience in Comprehensive Financial Management including Financial Planning, Retirement Planning, Cash Flow, Investment, Loan, Insurance, Tax, and Estate Planning.
Anuj is qualified as a Certified Financial PlannerCM (CFPCM) and Chartered Trust and Estate Planner™ (CTEP™).
Anuj’s articles and views are frequently published in prominent Indian financial publications like the Money Control, Economic Times, Outlook Money, and others.
Read These SIP Myths So That They Don't Affect Your Wealth Plan
SIPs only work in falling markets.
SIPs help you average your investment cost over time and work well in both rising and falling markets. You accumulate more units during a falling market but then make profits only when the markets go up.
SIPs guarantee returns.
SIPs are a mode of investing, not an investment product. Returns depend on the underlying investments and market performance.
SIPs help build discipline but cannot guarantee profits.
SIPs eliminate investment risk.
SIPs help reduce the impact of market volatility through regular investing, but they do not eliminate market risk. Your investments can still fluctuate in value.
SIPs are only for investments in stocks.
SIPs can be used to invest across various asset classes including stocks, bonds, commodities like Gold and Silver, properties, and others.
I should stop my SIP when markets fall.
Market declines are often when SIPs buy more units at lower prices. Stopping a SIP during a correction can reduce the long-term benefits of disciplined investing.
SIPs are only for beginners.
SIPs are used by both new and experienced investors. Even seasoned investors use SIPs to invest systematically and avoid emotional decision-making.
SIPs always beat lump sum investing.
Neither approach is always better. The right choice depends on market conditions, available funds, your goals, and your risk appetite.
SIPs can make you wealthy quickly.
SIPs are generally for long-term wealth creation. The real power of SIPs comes from consistency, compounding, and giving your investments enough time to grow.
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| Aspect | Zenith Finserve | Others |
|---|---|---|
| SIP Selection Approach | SIPs recommended based on your goals, risk profile, and time horizon | SIPs often recommended based on recent performance or popular funds |
| Goal-based Investing | SIPs are linked to financial goals such as retirement, education, or wealth creation | SIPs are started without a clear objective or target amount |
| Asset Allocation | Investments are diversified across suitable asset classes and fund categories | Excessive concentration in a few funds or a single asset class |
| Valuation Awareness | Investment decisions consider market valuations and risk levels | Investments continue without considering market conditions or portfolio risk |
| Portfolio Review | Regular monitoring and reviews to keep investments aligned with goals | Limited or no structured portfolio reviews |
| Fund Replacement Strategy | Underperforming or unsuitable funds are reviewed and replaced when necessary | Funds often remain unchanged for years regardless of performance |
| Risk Management | Portfolio risk is aligned with your risk appetite and financial objectives | Risk levels may not match your comfort level or requirements |
| Behavioural Guidance | Support during market volatility to help you stay disciplined | Investors are often left to make emotional decisions on their own |
| Progress Tracking | Regular tracking of goal progress and required SIP amounts | Focus remains on fund returns rather than goal achievement |
| Long-Term Wealth Creation | Focus on achieving financial goals through disciplined investing | Focus largely on short-term performance and market trends |
| Success Measurement | Success is measured by achieving your financial goals | Success is measured primarily by fund returns |
Frequently Asked Quetions
How much money do I need to start a SIP?
You can start an SIP with as little as ₹100. The ideal SIP amount depends on your financial goals, time horizon, and current financial situation.
Is SIP better than a lump sum investment?
Neither can be said to be better. SIPs are suitable for regular income earners who want to invest systematically, while lump sum investments may be appropriate when a large amount is available for investment.
The right choice depends on your circumstances.
Can I withdraw money from my SIP at any time?
Yes, in most mutual fund SIPs, you can withdraw your money whenever you need it. However, the ease of withdrawal depends on the type of mutual fund you have invested in.
Some funds may have exit charges if you redeem within a specified period, while certain categories may have lock-in requirements.
Can I stop or modify my SIP at any time?
Yes. Most SIPs offer flexibility to increase, decrease, pause, or stop your investments based on your financial needs and goals.
Are SIPs affected by market fluctuations?
Yes. Since SIPs invest in market-linked mutual funds, their value can fluctuate. However, regular investing helps reduce the impact of short-term market volatility over time.
How long should I continue a SIP?
The duration of a SIP should ideally match the goal you are investing for.
In general, a longer investment horizon provides more time for compounding to work in your favour.
That said, you can even invest in SIPs for short-term.
Can SIPs help me achieve my financial goals?
Yes. SIPs can be an effective way to build a corpus for goals such as retirement, children’s education, buying a home, or long-term wealth creation when combined with proper financial planning.
How do I choose the right SIP?
Market corrections are a normal part of investing. Continuing your SIP during market declines allows you to accumulate more units at lower prices, which may benefit long-term wealth creation.
Why should SIPs be linked to financial goals?
The right SIP depends on your financial goals, investment horizon, risk profile, and existing investments.
At Zenith Finserve, we have our internal frameworks based on which we suggest SIPs to our clients.
How can Zenith Finserve help with SIP investments?
Zenith Finserve follows a goal-based approach to SIP investing. We help you select suitable SIPs, align them with your financial goals and risk profile, and review them periodically to keep you on track.