Negative impactStocks
Mutual Fund SIP returns: Can you still lose money after investing for 10 yrs? How small-cap, mid, large-cap SIPs fared
Mint 1 hr ago·22 Oct 2026, 6:02 pm
Investors often assume that a Systematic Investment Plan (SIP) guarantees positive returns over a long period. However, recent data from Edelweiss Mutual Fund reveals that even a 10-year SIP can result in losses, particularly for small-cap funds. The data indicates that small-cap SIPs delivered a worst-case return of -0.13% over a decade, highlighting the volatility inherent in these investments.
This outcome underscores the importance of understanding the risk-reward profile of different market segments. While mid-cap SIPs delivered the highest average returns over five and ten years, outperforming both large- and small-caps, investors should be aware that past performance does not guarantee future results. The significant fluctuations in small-cap returns serve as a reminder that a long investment horizon is necessary to potentially recover from market downturns.
For investors, the key takeaway is to assess their risk appetite before committing to SIPs. Diversification across market caps can help manage volatility. Moving forward, investors should monitor market trends and fund performance to ensure their investment strategy aligns with their financial goals and risk tolerance.
Excerpt from Mint
Even a 10-year SIP could deliver losses, with small-cap indices recording a worst-case return of -0.13%. Edelweiss Mutual Fund data shows mid-cap SIPs delivered the highest average returns over five and ten years, outperforming large- and small-caps. Investing through a systematic investment plan (SIP) for 10 years is…Read the original at Mint
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