Why SIPs are not always right

<p>A mutual fund executive told our colleague something shocking: "SIPs are a problem."</p><p>Part of the shock came from the fact that it  was coming from someone in an industry that was basically built on "SIP sahi hai."</p><p>Now a new research paper backs up that controversial take—and the findings contradict what millions of Indian investors have been told about systematic investment plans.</p><p>Turns out the marketing narrative around SIPs has some serious gaps. The math tells a different story. And with small-cap SIP assets exploding 6.5x since 2019, the stakes have never been higher.</p><p>So when are SIPs actually appropriate?</p><p>Tune in.</p><p><em>*This episode was originally published on February 16th 2026.<br /></em><br /></p><p><strong><em>Daybreak is produced from the newsroom of The Ken, India’s first subscriber-only business news platform. </em></strong><a href="https://the-ken.com/pricing/"><strong><em>Subscribe</em></strong></a><strong><em> for more exclusive, deeply-reported, and analytical business stories.</em></strong></p>