{"id":8459,"date":"2022-08-18T15:16:45","date_gmt":"2022-08-18T14:16:45","guid":{"rendered":"https:\/\/cowrywise.com\/blog\/?p=8459"},"modified":"2023-02-23T12:10:39","modified_gmt":"2023-02-23T11:10:39","slug":"sip-and-mutual-funds","status":"publish","type":"post","link":"https:\/\/cowrywise.com\/blog\/sip-and-mutual-funds\/","title":{"rendered":"SIP and Mutual Funds"},"content":{"rendered":"\n<p>For the average investor, mutual funds are a great way to gain exposure to the equity markets. However, there is another option that allows you to invest small amounts of money regularly without having to make a lump sum investment: Systematic Investment Plans or SIPs. In this article, we will take a look at what SIPs are, how to start SIP investment and compare them with mutual funds.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is SIP?<\/strong><\/h2>\n\n\n\n<p>A Systematic Investment Plan (SIP) is a smart and hassle-free mode for investing money in mutual funds.&nbsp;<\/p>\n\n\n\n<p>A SIP is an investment plan that helps you to build a portfolio over a period of time. It is a simple, systematic and disciplined approach to investing in mutual funds. With a SIP, you can invest small amounts at regular intervals (e.g., monthly) in different schemes of your choice.&nbsp;<\/p>\n\n\n\n<p>This way you can start building wealth for your retirement needs or any other goal with ease and convenience by investing through systematic investment plans (SIPs).&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p>A SIP allows investors to buy units in a mutual fund at regular intervals over specific periods like one month, three months etc., whereas in lump sum investments one has to pay the entire amount at once.<\/p><\/blockquote><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What are mutual funds?<\/strong><\/h2>\n\n\n\n<p>Mutual funds are a pool of money collected from many investors and invested in stocks, bonds and other securities. Each investor owns shares of the mutual fund. Mutual funds are managed by professionals who decide which securities to buy or sell for the fund. The main advantage of mutual funds is that they spread your risk over multiple investments (funds).<\/p>\n\n\n\n<p>Mutual funds offer the <a href=\"https:\/\/cowrywise.com\/blog\/portfolio-diversification\/\">benefit of diversification<\/a>, which means reducing risk by spreading your money across many different investments (stocks, bonds, etc.). This can help you to avoid losing too much money if one or two stocks don&#8217;t go well but still have some return on your overall portfolio.&nbsp;<\/p>\n\n\n\n<p>Learn more about <a href=\"https:\/\/cowrywise.com\/blog\/what-are-mutual-funds\/\">mutual funds<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>SIP and Mutual Funds<\/strong><\/h2>\n\n\n\n<p>Look at it this way:<\/p>\n\n\n\n<p><strong>Mutual fund is a product. SIP (Systematic Investment Plan) is a plan or mode of investing in that product.<\/strong><\/p>\n\n\n\n<p>Since an SIP is set up to invest small amounts of money on a regular basis, it gives you more control over your investments.&nbsp;<\/p>\n\n\n\n<p>Besides being easy to set up, buying units at regular intervals also helps create discipline when investing money into shares and bonds which are traded every day on <a href=\"https:\/\/www.investopedia.com\/articles\/basics\/04\/092404.asp\">stock exchanges<\/a> across the world.&nbsp;<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1661289140945\"><strong class=\"schema-faq-question\"><h2>Which is more profitable: SIP or mutual fund?<\/h2><\/strong> <p class=\"schema-faq-answer\">SIP is more cost-effective than mutual funds.<\/p> <\/div> <\/div>\n\n\n\n<p>Here are the reasons:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The SIP investment strategy involves regular savings and investments that give you the optimum benefit of <a href=\"https:\/\/cowrywise.com\/blog\/why-investing-early-is-important\/\">compounding<\/a>.<\/li>\n\n\n\n<li>Mutual funds charge an <a href=\"https:\/\/cowrywise.com\/blog\/total-expense-ratio\/\">expense ratio<\/a> as well as a commission on every transaction made during your investment period. On the other hand, when you invest through SIPs, there are no commissions involved.<\/li>\n\n\n\n<li>Most mutual funds have an entry load while some have exit loads too. However, with SIPs neither entry nor exit loads are charged by banks or financial institutions.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"has-background has-small-font-size\" style=\"background-color:#f5f7fc\">Entry load in mutual funds is the fee charged from an investor while entering a scheme or joining the company as an investor. Exit load in mutual funds is a fee charged by the mutual fund houses if investors exit a scheme partially or fully within a certain period from the date of investment.<\/p>\n\n\n\n<p>This means that investing through SIPs helps lower your overall expenses and is more cost-efficient compared to investing in mutual funds directly without using a SIP framework.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1661289093181\"><strong class=\"schema-faq-question\"><h2>Is SIP safe?<\/h2><\/strong> <p class=\"schema-faq-answer\">When you invest through SIP, you can rest assured that your money is safe. The amount invested every month, for example, is transferred to the mutual fund company\u2019s bank account and remains there till it reaches maturity. Thereafter, the money is paid out to you as per your directions.<\/p> <\/div> <\/div>\n\n\n\n<p>SIPs are also a convenient way for investors who don&#8217;t have enough money lying around but still want to make periodic investments into mutual funds in order to create wealth over time; investing through SIPs allows them to do so without any fuss or headache. However, there is a need for continuous monitoring.<\/p>\n\n\n\n<p>Also because an investor doesn&#8217;t need large sums upfront when they start investing using this method, it provides an excellent opportunity for people who want some basic <a href=\"https:\/\/cowrywise.com\/blog\/financial-security\/\">financial security<\/a> without much risk involved.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p>SIP is a convenient way of investing small amounts in mutual funds on a regular basis. It is designed to help you get started with your investments and build up your wealth over time.<\/p><\/blockquote><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Bottom line<\/strong><\/h2>\n\n\n\n<p>We have learnt that a SIP is a smart and hassle-free mode of investing money in mutual funds. It allows you to invest on a regular basis, which is much more effective than investing a lump sum in one go. With this plan, for instance, you can save yourself from the regret of not having invested in mutual funds when the stock market was at its peak.<\/p>\n\n\n\n<p><strong>ALSO READ:<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/cowrywise.com\/blog\/mutual-funds-and-hedge-funds\/\">Mutual Funds and Hedge Funds<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/cowrywise.com\/blog\/mutual-funds-vs-segregated-funds\/\">Mutual Funds vs Segregated Funds<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/cowrywise.com\/blog\/mutual-funds-vs-gic\/\">Mutual Funds or GIC<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/cowrywise.com\/blog\/mutual-funds-vs-treasury-bills\/\">Mutual Funds vs Treasury Bills<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>For the average investor, mutual funds are a great way to gain exposure to the equity markets. However, there is another option&#8230;<\/p>\n","protected":false},"author":24,"featured_media":8468,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[134,135],"tags":[179],"coauthors":[472],"class_list":{"0":"post-8459","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-money-guides-and-tips","8":"category-investment-tips","9":"tag-mutual-funds"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SIP and Mutual Funds - Cowrywise Blog<\/title>\n<meta name=\"description\" content=\"SIP is a smart and hassle-free mode of investing money in mutual funds. It allows you to invest on a regular basis and build up your wealth over time\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cowrywise.com\/blog\/sip-and-mutual-funds\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SIP and Mutual Funds - Cowrywise Blog\" \/>\n<meta property=\"og:description\" content=\"SIP is a smart and hassle-free mode of investing money in mutual funds. It allows you to invest on a regular basis and build up your wealth over time\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cowrywise.com\/blog\/sip-and-mutual-funds\/\" \/>\n<meta property=\"og:site_name\" content=\"Cowrywise Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/cowrywise\" \/>\n<meta property=\"article:published_time\" content=\"2022-08-18T14:16:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-02-23T11:10:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/08\/SIP-and-mutual-funds.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1633\" \/>\n\t<meta property=\"og:image:height\" content=\"962\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Felix Akinnibi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@cowrywise\" \/>\n<meta name=\"twitter:site\" content=\"@cowrywise\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Felix Akinnibi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/cowrywise.com\/blog\/sip-and-mutual-funds\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/sip-and-mutual-funds\/\"},\"author\":{\"name\":\"Felix Akinnibi\",\"@id\":\"https:\/\/cowrywise.com\/blog\/#\/schema\/person\/9e2140658d41d6f50179d005440984f4\"},\"headline\":\"SIP and Mutual Funds\",\"datePublished\":\"2022-08-18T14:16:45+00:00\",\"dateModified\":\"2023-02-23T11:10:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/sip-and-mutual-funds\/\"},\"wordCount\":860,\"commentCount\":2,\"publisher\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/sip-and-mutual-funds\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/08\/SIP-and-mutual-funds.png\",\"keywords\":[\"Mutual Funds\"],\"articleSection\":[\"Guides\",\"Investing\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/cowrywise.com\/blog\/sip-and-mutual-funds\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/cowrywise.com\/blog\/sip-and-mutual-funds\/\",\"url\":\"https:\/\/cowrywise.com\/blog\/sip-and-mutual-funds\/\",\"name\":\"SIP and Mutual Funds - Cowrywise Blog\",\"isPartOf\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/sip-and-mutual-funds\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/sip-and-mutual-funds\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/08\/SIP-and-mutual-funds.png\",\"datePublished\":\"2022-08-18T14:16:45+00:00\",\"dateModified\":\"2023-02-23T11:10:39+00:00\",\"description\":\"SIP is a smart and hassle-free mode of investing money in mutual funds. 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