SIP sahi hai, but this strategy will beat SIP returns

Summary: Think SIPs are the only smart way to invest? A lesser-known strategy could actually deliver better returns — without taking on extra risk. If you're parking your money in your bank account and then investing monthly, this article might just change how you invest forever. When we talk about disciplined investing, SIPs (Systematic Investment Plans) are often the default choice. And for good reason. They help you stay consistent, invest through market ups and downs and take the emotion out of timing. But what if we told you there’s another option that could quietly outpace SIPs in returns, without taking on more risk? Enter the lesser-known but highly effective STP, short for Systematic Transfer Plan. What’s an STP? An STP allows you to park a lump sum in a low-risk fund (we suggest a liquid or an ultra-short-duration debt fund) and transfer a fixed amount periodically into an equity fund of your choice. Why STP can outshine SIP In an STP, your lump sum doesn’t just sit idle. It earn

This article was originally published on July 10, 2025.