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Everyone in the investment industry celebrates the massive success of the SIP revolution. That’s justified up to a point. SIPs represent one of the most sensible innovations in retail investing—a mechanism that removes the guesswork from market entry, harnesses the power of rupee cost averaging, and transforms investing from a sporadic burst of enthusiasm into a steady habit. The fact that crores of Indians automatically invest monthly is genuinely good news for the country's financial future. I’ve spent practically an entire lifetime being an unpaid cheerleader for SIPs, but now find some aspects of the revolution disquieting. Somewhere along the way, SIPs have transformed from a useful tool into an almost mystical solution to all investment woes. The very success of the SIP concept has bred a dangerous complacency that threatens to undermine its effectiveness. The problem isn't with SIPs themselves--it's with how they're being sold and understood. The marketing machinery has essentially rebranded SIPs as "Fill It, Shut it, Forget it" solut
This article was originally published on July 21, 2025.
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