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To SIP or Not?

Ideally invest systematically and regularly to create long-term wealth

I want to know if this is the right time to invest in mutual funds in lump sum or should I invest every month through SIPs?
- Manoj Gawande

There is no right or wrong time to invest as long as you are aware how long you plan to invest for and what reasons. For instance, if you are clear that you are investing for the next five years for wealth creation; you can start any day. However, if you are thinking of investing for 3 months; mutual funds are not for you.

Your plan to invest in a fixed deposit and invest only the interest; is not a bad thought. You come across as a skeptic investor at the moment and should perhaps start investing in balanced fund. This way you will experience investing and according scale up your investment if

This article was originally published on November 23, 2010.

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