Mutual Fund SIP: Does the date of investment affect the returns or not? Know the opinion of experts

Mutual Fund SIP: The stock market continues to fluctuate, but the confidence of investors doing SIP in mutual funds remains intact. They are investing regularly and instead of panicking about the fall in the market, they are considering it as an investment opportunity. However, the question remains in the minds of many investors whether the date of SIP affects their returns? Can investing on a particular date of the month give better returns? If you also have this question in your mind, then we are going to give you the right answer.

Does the date of SIP have any effect on returns?

Market experts believe that the date of SIP does not have any significant impact on the returns of mutual funds. The real benefit of investment depends on how long the money stays in the market. That is, the day you invest does not matter as much as it is important for you to stay in the market for a long time.

Does choosing a particular date give more profit?

Some investors feel that by choosing a particular day of the month, they can earn better returns. But research has proved that changing the date of SIP does not have any major impact on the total investment.

Investments made on different dates were studied, in which it was found that the benefit of investing on a particular date is negligible.
This date has almost no effect on the returns from long-term investments.

Therefore, instead of choosing a particular date, investors should focus on investing regularly and maintaining the investment for a long time.

Which is better among weekly, monthly or daily SIP?

For mutual fund investors, yonojnews this is also a big question whether they should do daily, weekly or monthly SIP.

Is weekly or daily SIP more beneficial?

If you do daily, weekly or monthly SIP, it does not affect your returns.

Based on the data of the last 10 years, it has been concluded that the time interval of SIP does not have any major impact on the total return.

Investors do not need to worry whether they are investing on the 1st, 15th or any other day of the month.
Experts’ opinion:

✅ Invest when you have money available.

✅ Maintain investment for a long period.

✅ No need to panic due to market fluctuations.

Will it be right to do SIP during market decline?

When the stock market falls, many investors panic and stop their investment. But experts say that continuing SIP is the best decision when the market is down.

When the market is down, you get more units at a lower price, which can lead to higher returns in the future.

Instead of being afraid of market volatility, it should be considered an investment opportunity.

Experts’ advice:

✅ Continue investing even in a falling market.

✅ Keep investing on the fixed date every month.

✅ Do not be upset by market fluctuations, but consider it an opportunity.

Why is discipline necessary in SIP investment?

The biggest advantage of SIP in mutual funds is that it makes you habituated to regular investment.

Benefits of maintaining discipline in SIP:

No need for market timing: If you invest regularly, you do not need to think whether the market is up or down.

Rupee Cost Averaging: When the market is up, you get fewer units and when the market is down, you get more units. This reduces the average cost in the long term.
Benefit of compounding: By investing for a long period, the return on your investment keeps increasing and this leads to good wealth creation.