Comments on: SIP is it really good or is it hyped?

By: Surya

Surya — Fri, 31 Aug 2012 13:20:33 +0000

I get a little circumspect when about everybody is recommending SIP today – same as ULIPs earlier . Can you please list the disadvantages of SIP ? What happens if I dont want to buy for a month/few months ? Can I pause the SIP ? Personally , I dont like the idea of setting a regular ECS mandate with different funds.

By: Sameer Goel

Sameer Goel — Thu, 23 Aug 2012 11:17:28 +0000

Dear Sir,

I am a new candidate in the mutual fund class. I read your blogs and many thanks for providing such the valuable information.

Sir, could you please help me to find out the perfect fund for me. I want to invest 2 sips 1000 each for 10 yrs and 15 yrs period. But i don’t want to take much risk with my capital.

Please suggest.

Regards,
Sameer

By: trupti

trupti — Mon, 06 Aug 2012 20:20:51 +0000

timely post in the current market situation…
thanks subra

By: Dev

Dev — Tue, 31 Jul 2012 21:11:16 +0000

Agreed that one should continue SIPs over long periods of 15-20 years.
But one can also boost returns by regularly investing additional sums when markets are trading at lower PE multiples.
We did an analysis of putting ‘SIP on Steroids’ and have documented the ‘encouraging’ results on our website stableinvestor.com

By: subra

subra — Tue, 31 Jul 2012 11:48:38 +0000

RSK

this is Subrapaani’s first comment here, unless of course he has been using a different name..

By: prabee

prabee — Tue, 31 Jul 2012 09:59:04 +0000

While you get a chance check this link

http://www.dnaindia.com/money/interview_you-can-shut-the-equity-market-india-would-still-be-doing-fine_1721939-all

By: Subrapaani

Subrapaani — Tue, 31 Jul 2012 08:15:45 +0000

RSK,

Just follow my instruction thats it..you will move up in carrear also.

By: RSK

RSK — Mon, 30 Jul 2012 11:20:33 +0000

Subraji,

Thanks for the input. A friend of mine refered your blog to me and I have been following your writing for the past one week. Being a young professional (Chartered Accountant),I’ am sure your advises and expertise will help me shape up my finances better.

Thanks!

By: krish

krish — Mon, 30 Jul 2012 11:16:30 +0000

For the last 5 years going by 50/50 Equity/Debt rule, I am investing equal amounts in SIP of HDFC TOP 200 and Bank Recurring Deposit.

Both of them seem on par. For the moment, am more comfortable with SIP-RD than SIP-Equity. The market seem never right whenever you want to withdraw.

By: MangoMan

MangoMan — Mon, 30 Jul 2012 10:19:58 +0000

proposing another point for direct equity investing:
o) One should also have the time and ability to read and learn various things about investing over a period of time. Since, knowledge and experience doesn’t come in ready to eat package. Sab samaan leke, fir pakana padta hai !!

Things that one can learn while doing direct equity investing can also help a great deal in professional life as well, is my experience of past few years.