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Your First Rs 10 Lakh Corpus: SIP, Savings Or A Mix Of Both?
NDTV Profit 3 hrs ago·21 Oct 2026, 4:23 am
A common question for Indian investors is how to build a large retirement fund. While a Systematic Investment Plan (SIP) in mutual funds is a popular tool for this goal, it is not without risks. Returns on SIPs are not guaranteed and depend on market performance. A market downturn can temporarily lower the value of your investments, even if you continue to invest regularly.
For investors, the key is to understand that SIPs work best as a long-term strategy. They help average out the cost of buying units over time, but they require patience. It is important to view SIPs as a disciplined way to save rather than a quick path to wealth. To mitigate risk, investors often consider a mix of SIPs and fixed deposits to balance market exposure with safety.
What to watch next is your asset allocation. As your investment horizon grows, you might gradually shift more funds into equities. However, it is crucial to stay invested through market cycles and avoid panic-selling. Regular reviews of your portfolio can help ensure it aligns with your financial goals and risk tolerance.
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