Though leading benchmark indices such as the Sensex and the Nifty are still close to their all-time highs, most mutual fund investors continue to feel dejected. The despondency is greater among investors who invested via the systematic investment plans (SIPs), wrongly believing the myth that SIPs make equity investing risk-free. Even now, bank relationship managers who have actively propagated this myth, are trying every possible trick in the book to get people to invest via SIPs. This writer re ..