Systematic investment plans (SIPs) have become the de facto method of investing in equity mutual funds. Monthly data from the Association of Mutual Funds in India (Amfi) shows that investors are willing to stay with their commitments despite a period of poor returns even if the conviction to increase their exposure is not there. But are SIPs only about investing in equity funds or is there merit in looking at periodic investing to take exposure to debt funds too?
I have Rs 12 lakh in surplus. Should I prepay my home loan or invest for monthly income of Rs 25-30k?
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