SIP Karna Hai Lekin Dar Lagta Hai? In 5 Myths Ko Abhi Tod Dijiye!

Aapne bhi kabhi na kabhi ye zarur suna hoga — “SIP karke paisa multiply ho jata hai!” Lekin jab karne ki baari aati hai, toh mann mein kai doubts aur darr aa jaate hain. “Agar market gir gaya toh?”, “Fixed deposit safe hai, phir SIP kyun?”, ya phir “Itne lambe time tak paisa block kaise rakhen?”

Aise hi kuch popular SIP myths (galat dharnaayein) logon ko financial freedom se rokti hain. Is blog mein hum 5 common SIP investment myths ko todne wale hain taaki aap bhi confidently apna investment journey shuru kar sakein.

Myth 1: SIP sirf bull market mein kaam karta hai

Reality: SIP works best in volatile market

Kai log sochte hain ki jab market upar ja raha ho tabhi SIP ka fayda hai. Lekin sach yeh hai ki SIP ka real magic volatility (market ke uttar-chadhav) mein hota hai.

Jab market girta hai, aapki fix SIP amount se zyada units milte hain. Jab market upar jata hai, aapke units ka value badhta hai. Yeh process long-term mein rupee cost averaging karta hai jisse average cost kam hoti hai aur returns better milte hain.

👉 Example:
Agar aap ₹5,000/month SIP karte ho aur market 1 saal ke liye kabhi upar kabhi neeche hota rahe, toh aapko zyada units milenge jab market neeche ho — jo future mein kaafi kaam aayenge jab market recover karega.

Myth 2: SIP mein paisa block ho jata hai, liquidity nahi hoti

Reality: SIP mutual funds highly liquid hote hain

Ye bhi ek bada myth hai ki SIP mein paisa fass jata hai jaise FD mein hota hai. But mutual funds (especially open-ended funds) mein aap kabhi bhi paisa nikal sakte hain.

SIP koi lock-in scheme nahi hai (except ELSS jisme 3 years ka lock-in hota hai). Agar aapko urgent paisa chahiye toh aap apna invested amount withdraw kar sakte hain within 2–3 working days.

✅ SIP = Investment discipline without liquidity compromise

Myth 3: SIP sirf long term ke liye hota hai — short term ke liye useless hai

Reality: SIP ka tenure aapke goal pe depend karta hai

Yeh sochna galat hai ki SIP sirf 10–20 saal ke goals ke liye hi kaam ka hai. Agar aapka goal 1–3 saal ka hai toh bhi aap low-risk debt mutual funds mein SIP kar sakte ho.

✅ Short-term goals: SIP in Liquid Funds / Ultra Short Duration Funds
✅ Medium-term goals (3–5 yrs): SIP in Hybrid Funds
✅ Long-term goals (5+ yrs): SIP in Equity Mutual Funds

Iska matlab ye hai ki SIP har tarah ke goals ke liye useful hai — bus fund selection smart hona chahiye.

Myth 4: SIP se crore ka target possible nahi hai

Reality: SIP discipline se crore ka corpus build karna 100% possible hai

Kai log maante hain ki SIP chhoti amount hoti hai isliye isse bada wealth build nahi ho sakta. Lekin regular aur disciplined investment hi aapko crorepati bana sakta hai — with the power of compounding.

🔢 Example Calculation:
Agar aap ₹10,000/month invest karte ho for 25 years @12% annual return:

Corpus after 25 years = ₹1.76 crore+

Ab sochiye agar aap 15,000 ya 20,000 invest kar sakein — toh crorepati banna koi sapna nahi, ek reality ban sakti hai!

Myth 5: SIP start karne ke liye market timing important hai

Reality: Time in the market > Timing the market

Yeh biggest myth hai ki pehle market niche aaye tabhi SIP shuru karni chahiye. Market ko time karna experts ke liye bhi mushkil hota hai. SIP ka poora concept hi yeh kehta hai ki regular investment se aapko long term mein average returns milenge jo market timing se zyada important hai.

📅 Best day to start SIP? Aaj!

Har din wait karne se aap ek aur compounding cycle miss kar rahe hote ho. So jitni jaldi shuru karoge, utni badi value future mein milegi.

Bonus Tips: SIP Start Karne Se Pehle Dhyan Dein

1. ✅ Goal Define Karein: Retirement, child education, house purchase etc.

2. ✅ Risk Profile Samjhein: Conservative ho toh hybrid ya debt funds mein SIP karein.

3. ✅ Diversification Rakhein: 2–3 funds mein hi SIP karein, 8–10 funds se avoid karein.

4. ✅ Top-up SIP use karein: Salary badhne par SIP amount bhi increase karein.

5. ✅ Review karein annually: SIP monitor karte rahiye, fund performance dekhiye.

Conclusion: SIP mein darne ka nahi, seekhne aur karne ka kaam hai!

SIP ek powerful tool hai jo common logon ko bhi apne financial goals tak pahuchne ka moka deta hai — wo bhi simple aur stress-free tareeke se.

Agar aap in myths se ab tak ruk rahe the, toh ab waqt hai action lene ka. SIP chhoti amount se start hoti hai, lekin iska impact long-term mein bada hota hai.

🧠 Yaad rakhein:
“Paise se paisa banta hai, lekin time se bana paisa zyada banta hai.”

FAQs (Often Asked Questions)

Q. Kya SIP karne ke liye Demat Account zaruri hai?
❌ Nahi, aap mutual fund platforms ya apps se direct SIP kar sakte hain.

Q. SIP mein loss ho sakta hai kya?
👉 Short term mein market girne se ho sakta hai, lekin long-term SIPs mein risk diversify hota hai.

Q. SIP monthly hi karni hoti hai kya?
Nahi, aap weekly, fortnightly, ya quarterly SIP bhi set kar sakte ho.

 

Agar aapko yeh article helpful laga, toh please apne doston aur family ke saath share karein aur comments mein batayein ki aapka SIP journey kab start hua ya ho raha hai!

Disclaimer 
Yeh sirf informational content hai. Invest karne se pehle apne financial advisor se salah zaroor lein. Market risk hota hai.