🍰 SIP Vs Lump Sum 🎂कौनसा बेहतर? Mutual Fund Investment | SST Ep 01

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Investment in mutual funds is one of the most effective ways to create wealth in the long term but there are things that you must know before you jump in blindly. There are a number of expenses attached to your fund investment such as advertising expense, distributor fee, commission, and all these sum up your expense ratio. This can never go higher than 2.5% per annum in case of equity mutual funds and 2.25% per annum in case of debt mutual funds.
These limits are set by the stock exchange watchdog, SEBI. There are mutual funds that have an expense ratio of 2% or higher which can cost you lakhs of rupees in the long term. Combine this loss with inflation, and tax, and you find yourself with just money, not necessarily wealth. So watch this financial advice properly and understand what is expense ratio, how to pick mutual funds with a lower expense ratio and how much money you can save (or potentially earn).
Read about this in English: labourlawadvisor.in/blog/expe...
Chapters:
00:00 Smart Stock Tip
00:32 Lump Sum Vs SIP
05:32 What is Market Time?
06:32 SIP benefits
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#FinancialAdvice #MutualFunds #SIP #LLA

[@LabourLawAdvisor]

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[@viratsingh8930]

Sir why my epf claim rejected reasons has been rejected due to :- 1) member name differs for above pf account number as per office records clarify the same 2 member names differ PLEASE SIR HELP ME THANK YOU

[@shaikhrf1]

I am new to this field and wanna invest in SIP as you explaion in this video but want know about high risk What high risk mostly mutual funds showing high risk

[@chetanswaroop1709]

It is asking for an invite code plz share the same

[@akshatjain2986]

Suppose I'm investing for 1 year and have checked a mutual fund company Taking one time investment as 5K and expected return is 7720 Taking sip 500 per month resulting in 6000 year with return of 7730 expected ! So I've already paid 1000 more so if somehow I've gained more units in sip I'm already in a loss of 1000 , moreover expected outcome is also low !

[@mayursoni572]

I can choose 3rd option manuals sip. So I will invest in bits and pieces when market is slightly lower...

[@karansaini305]

Pro tip: start a sip with low price..(1000₹/month) Track the NAV of your shares for 1 year. Whenever the NAV is low...invest lumsum in the same mutual fund. I got 28% XIRR by this method

[@nikhilghadigaonkar1709]

Thanks for sharing your experience.

[@manish90658]

Thank Karan. Really great advice.

[@Kpop_and_pro]

Thank you

[@1989ritesh1]

Thnku mam for sharing valuable tips

[@thecybersahil]

What if we planned to Invest for 3yrs and we took SIP of 1000 rupees for 3 yrs. What do you after completing 3 yrs ? Do we've to update it ?

[@sumitsanu4561]

Impressive graphics! Well explained.

[@rajsingh-lr3nd]

I only do lump-sum, this helped me 60% return during current rally but my sip friends are around 10%return as they stopped sip during crash. This is how market work . I do aggressive investing when I see nifty below 19pe or below 2.0 price to book value. I know not every body will understand this but this works for me n probably in next two years I will achieve financial freedom So happy that good channels like yours are helping millennials

[@rupeshpredator6855]

Can you give some tips or methods on investment in mutual funds for someone starting their career and what do u think is the best mutual fund ?

[@ankylosis751]

lol you are not a investor

[@deadfish404]

Opportunities like march 2020 don't come that often. If you took advantage and booked some profit that's good. But don't expect to have same returns often. And good luck with financial freedom in next 2 years.

[@betelgeuse4187]

That's luck

[@rajsingh-lr3nd]

@@rupeshpredator6855 if u want to learn abt mutual funds investing. Watch etmoney KZbin channel . It has good information

[@itboy2754]

Thank you Sir, you share very important and valuable information with us as bank penalty, automate bank premium & best opportunity with SIP or lump-sum deposit.

[@manojmahawar4136]

Please make a video on difference between top-up portfolio and buying new mf of same price. Thank you

[@anindyasundar2006]

Can u make a video on SIP switching and how to understand how ur fund is doing.

[@ayushhajela8198]

Very Informative, thanks a lot! You guys are awesome.

[@kinshukrastogi]

Best channel I found so far. Being a beginner and day 1 of understanding mutual funds, I am highly impressed with the way of explaining. Many thanks.

[@massumparindasidharth]

U hve seen pranjal kmra

[@mustafaali89621]

Pranjal kamra sir ke video dekhiye

[@bindusamanpelly5563]

Very well explained sir....Now I got a clear idea of lumpsum and an SIP

[@prajjwaljaiswal3419]

Please also inform drawbacks of SIP returns. Your return will average out in SIP. That's significant factor.

[@BBwal]

low risk low returns is one factor of significance.

[@mahaboobbinfaruque5630]

Very nice and to the point you made my life easy

[@bobbykarua4404]

Great sir👍...Thanks for the information...There is never too late to start

[@lifenator975]

Beautiful video.. I was just in dilemma whether to go with sip or lumpaum.. you just saved my 💰 & time

[@sidrak07]

Same

[@manivannans3778]

Many Mutual fund investment advisers avoid to talk about the risk of lumpsum investment. I was one of the victims, in 2017 invested in midcap and small cap funds until 2020 I saw only capital erosion. I did this only Because of one reason that My advisor recommended to invest lumpsom when the market was in its high. I was the looser. But you have given the right suggestion. My sincere appreciations.

[@pulkitsharma6648]

Bro fire that advisor lol what a twat to give you advice to invest when market was at high. Well, we learn and progress. All the best

[@religionofpeace782]

Had you stayed invested for 3 more years you would have seen profits. Always stay invested for long term. Market is not for short term.

[@deepakrechwad2239]

Wow great video,stil I never seen your video it I click on like, share, subscribe and download it. Your explanation method is very great sir, you are great. Within a second I became a knowledgeable person in mutual fund investment from 0 knowledge. Thank you so much

[@deepteja]

The Best video on SIP👍👍

[@SeemanchalExpert]

*बिल्कुल आसान शब्दों में* 👌 Thank you ❤️

[@rahulnisal7822]

Very Informative video. Got many doubts cleared in it..

[@parikshitpunekar7526]

I clearly understand the benefits for investing via SIP, but a little confused if SIP is the right method to invest in ELSS funds as investment made every month is locked in for 3 years. Would like if you could address this in your video..

[@ramangarg9990]

I think for elss lumpsum seems to be better

[@vaniindrali]

True in ELSS lumsum is better option than SIP

[@jingsmotivate]

Hello Parikshit punekar. ELSS fund per month ki SIP installment 3 year k liye lock hogi, means agar FEB-2022 SIP kategi vo next FEB2025 KO free hogi ese hi March-2022 vali SIP mar2025 me free hogi ese hi last installment jo hogi vo uske 3 year bad free hogi...

[@DeepakKhanwalkar]

@@jingsmotivate To phir ELSS me se paisa kaise nikale? Maine last year 1 ELSS fund liya tha through SIP. Can I redeem it after 1 year? If not, to us paise ko kaise nikalu?

[@steveaustin6608]

@@DeepakKhanwalkar you have to wait for 3 year for each SIP, don't invest more in that if you don't want to wait.

[@ashrujagansamantasinghar2558]

Kammaal ho sirji app...SO SIMPLE & SWEET 💥💥☝️☝️🙌🙌💯💯🙏🙏❤❤

[@sudarshantripathy1766]

Thank you so much for this video.

[@nsyuvi0]

Absolutely fantastic

[@karan9036]

Can I know how much difference would it be if I invest via a broker(how to find the chargers to compare between brokers) vs AMC, would highly recomend a detail explanation TIA

[@stylemax3252]

....aapse acha koi na samjha payega...very nice explanation.....ab kisi din ye bhi samjha dijiye ki mutual funds actual me hote kya hai??

[@reckto5024]

Rather than keeping your lump sum in bank, buy liquid fund/debt fund of that Same mutual fund and transfer sips from that fund to the desired fund. All mutual funds allow that. So in the process minimum return you will get ,will be of liquid fund/debt fund on your lump sum amount.

[@phacocataractdrlvkraju5]

How to do this, I mean, how to invest in debt or liquid funds and then systematic transfer plan to intended equity mutual fund. Please explain the procedure

[@pallavichauhan100]

You are awesome!!! Great content.

[@rajroy6221]

Sir, mujhe Basant Agro Tech k bare main janna hain. Kya isme invest karna yaa uska shares kharidna sahi hoga. Please kuch idea dijiye.

[@pankajnaik1069]

But in tax harvesting, we have to buy in lump sum when the long-term capital gain is about to reach 1lakh !!

[@mandarw100786]

That time u can remove amount n again add in same mutual fund or liquid fund to park

[@dhananjayvaish3276]

Please make a video on investment vs loan repayment. How much money to allocate in both things.

[@sandeepupadhyay653]

One Query on Open ended & close ended SIP: On part of comparison of open ended SIP and close ended SIP, say for example if I have started a close ended X type of SIP on 1 Jan 2018 for 5 years so it will mature automatically on 1 Jan 2023. Second case, I have started an open ended same X type of SIP on 1 Jan 2018 & I closed from my side as per my wish on 1 Jan 2023. So is there any return difference between open ended & close ended SIPs in this case specially when the tenure was same??

[@TheJagpalsingh]

Fact of the matter is keep investing no matter SIP or Lumpsum... One wise person can start SIP and put lumpsum amount when price will go down...

[@sat-esports923]

Kaise jane ki price low hai

[@TheJagpalsingh]

@@sat-esports923 u can see the historic trend of the price buy when it dips

[@Sid29]

I'm doing lumpsum investment but in sip style so that i can invest regularly but whenever I want and also when the market goes down so i can better nav averaging by investing on those days as well.

[@sonaisonai357]

Thank you very much.. samjhaneke liye

[@jagadishaurade3161]

Hi

[@pushuvisible]

you missed to mention one drawback of SIP. at the end of the year when you are calculating the final return value, note that there is exit load of 1% if you redeem unit before 1 year from the invested date. Also, small term capital gain tax of 15% will be applied if you wish to redeem all the units at the end of the year.

[@AP-eb8hd]

That is correct .. so MF concept is anycase for long term investing.

[@pushuvisible]

@@AP-eb8hd My comment was in context of SIP vs Lumpsum. Not long term vs short term

[@mandarw100786]

@@pushuvisible even if u invest in lumpsum u will b charge the same if u redeem b4 one year.. We invest in index fund for good return , can b seen after a year only.. covid was exception

[@pushuvisible]

@@mandarw100786 ohh. This is brand new information to me. I'll ink it on my hand so that I never forget for the rest of my life. Thank you so so much.

[@mandarw100786]

@@pushuvisible Oh sorry for ur short term memory loss...

[@SukhpreetSingh-ii2pz]

Mutual fund sip me koi charge bi parts hai kya matlab agar hum 2000 di sip karte hai to hamara 2000 ki sip hogi ja kuch charge deduct hoga pls reply sir?

[@asen80gmailcom]

Very informative and well explained!

[@devendrasinghsalal8269]

Maine SIP kia hai aur Lump Sum me bhi invest karne ka soch raha hu. Maine ye pada kahi ki long term ke liye Lump Sum me investment karte hai to NAV ka jyaada effect nahi padta. Please ye doubt clear kare..

[@fit4sure307]

I am a regular viewer of your valuable videos. 1 week ago I have started an SIP of DSP tax saver fund through coin app. But later I found that it is IDCW Interim. As far I know, they will transfer some amount of dividend every month in my account. But I don't want to get any money like that. So what should I do now. Should I stop the sip & start a new one? Can I cancel the IDCW system? Plz reply.

[@poonambagade3715]

Nice explanation. I really liked it.

[@yogeshkumarsharma2212]

Sir et money aap pr mutual fund ki perstange jyada dikhai jjati hai or usi mutual fund ki past or current perstange grow aap pr km dikhai jaati hai jabki nav dono aap pr same hai aisa kyo?

[@NoorAhmed-Indian]

Don't go for SIP, If you have amount Go for lumsum, don't go via agent, go invest directly in fund company, Every month NAV price increase minimum 1% every month, if you don't know check few mutual fund prices for last few years

[@justinvarghese4711]

How we mention the nominee details in mutual funds apps And how he or she withdraw invested amount after death of investor

[@agnivdey]

You can mention name of nominee

[@vikas-hc8bu]

Sir please more Vedios related to various Law's. Sir Your channel is always🥰❤️👌🏻💯

[@riteshkumarkusagal3998]

Can anyone let me know whether LTCG tax limit of 1 lakh is applicable combination of both mutual funds and stocks or different in any single financial year ?

[@viveksr]

its your cummulative gains for the fiscal year

[@rahulgupta-yf9eu]

Sir video to aap ka bhut accha hota hai. Ye write kr k kaon se video editor se banate ho video sir?

[@maheshkumar-uw3vz]

Ham agar kuvera se koi mutual fund lete hai to hame original documents kaise prapt hoga, agar kal ko Kuchh problems aati hai to ham kaha jakar Baat karenge?

[@kishansolanki123]

Ye video bhot help Mili thanks bro

[@rajendrakarnik7272]

When I switched the fund from debt to equity mutual fund. Fund house told me that NAV of switched mutual fund (equity in my case) can be of next or after 3 days (T+3). In short there is no transperancy about NAV and fund house is final authority to decide. In current fluctuating market fund house can chit us

[@shelendrakushwaha2697]

LLA team is awesome. Hindi m itna clear explaination.

[@mr.bachubhaibhigona9090]

Over the longer horizon (Min 5 years), lumpsum investment is much much better than SIP. It will give huge returns over SIP. I have personally done this calculation in an excel.

[@aileen8492]

can you please explain more f possible.

[@Manu-tf9cu]

@@aileen8492 Because you invest SIPS one after the other in smaller amounts compared to one big lumpsum amount. Sure, they are good for averaging market fluctuations, but in longer periods lumpsum investment in good funds will give better returns. For example, if you invest 60k in Jan 2021 and observe its profit in Jan 2022, it will be larger than what you would get through an SIP of 5k each month in same period (same amount of 60k invested as 12 5k SIPs). This is because only one SIP (Jan) has completed 12 months of invested growth, the next one only 11 months, then next one 10 months, so on and so forth with the December one having completed just one month of growth. In contrast, the 60k lumpsum has had a full year to reap the benefits. In my personal case, a lumpsum of 10 lakhs in 2017 in a pretty average fund has given close to 18 lakhs till Jan this year. I hope this clears your doubt.

[@Manu-tf9cu]

Just as market fluctuations average out, your prospective returns too average out when you invest in SIPs. So that's one good factor to keep in mind. The trick to using lumpsum investments to your advantage is to make sure you are not investing in in the fund when the NAV is at an all-time high. Or make sure the fund will grow reasonably well over the next 3 to 5 years even if you are putting the money in at a high NAV. :)

[@aileen8492]

@@Manu-tf9cu Thanks for explaining. Can you suggest where to invest lump sum account like in ELSS or through which way?

[@sarikakonde1230]

Agree

[@GaurvendraYadav]

bahut badhiya explanation bhai jee

[@ajaydeeparya9513]

Thank You !! 🌼🌼🙏🌼🌼

[@dkumarrajput83]

100: ki ek bat hai seedhe seedhe jaab share market me markat chal rahi ho har taraf selling ho tab hi market me paise dalne chaiye for sure return.

[@reetbhat]

What is the difference if I put a certain amount in a mutual fun but not in SIP for, but in Lump sum for but a certain amount every month. Meaning, no auto deduction but I put it manual. What's is the difference for this way, can you please explain 🙏,,,

[@mehulundaviya5086]

Kya bat kr rahe ho... Mere pass year ki starting me 60000 hoge phir b me 5000 per month hi krunga.. Baki kai money idle rakhunga... Wahh... Achha video banaya.... Kuvera ki advertisement k liye

[@techypartha1151]

Is saal mene ek mutual fund me sip kia to agle sal v isi me invest karna he ya dusra naye mutual fund me karna sahi hoga? Plz rply

[@newbirthsangma7133]

Thank you Sir, for this valuable video

[@suchitramahadik205]

Very well explained 👏👏

[@AshokKumar-bn6jb]

Super. Difference between sip or lump sum

[@eliyazshaik8246]

Can’t we do monthly lumsum on same amount as sip by tracking NAV whichever is lower.

[@govindpandhare7010]

Sir,How to review Mirrae asset direct Equity SIP if it's stopped due to my mistake during registration I choose period of 3 years it is already completed 3 years on May 2021 but now I want to continued in that fund.Please guide me

[@m.a.shettar4786]

Sir, to invest in sip I should keep that lump some amount with me for one year or so, then from that I have to go on keeping in sip This will be a loss, please explain

[@jaiswalism]

You can invest in liquid funds

[@vardanrathi7777]

Don't keep all the amount with you. Every month / week / quarter (whatever you choose), amount will be deducted from your Bank Account. Rest of the money can be invested elsewhere.

[@prathmeshkhairnar9540]

Hi where will I get all funds in one category with all its parameter in excel or similar format to compare like on trading view for stocks

[@jaiminmaurya1121]

Paytm money and Et money provides very good graphs and data is very well sorted. So you can check that out even of you don't want to buy mutual fund from this brokers.

[@omprakash187]

itna achha koi nahi samjha paya lumpsum and SIP k baare me

[@abhisheksankhe179]

Investing lumpsum in Liquid Funds & then setting STP (Systematic Transfer Plan) for desired mutual funds is a good strategy than starting a new SIP & keeping remainder in bank?

[@LabourLawAdvisor]

I do that

[@veereshdolak3497]

Simple best idea..

[@002nrv]

@@LabourLawAdvisor but will that not cause double service tax, once when you sell liquid and other when you buy equity fund, even if it is within same AMC ? Please confirm, I also did this in past but realised of taxation

[@HarshLokwani]

@@002nrv he is not selling he is just changing from lumpsum to sip

[@ramsanjeevreddy6193]

could you please elaborate the procedure

[@Harmony989]

Very sorted man..good one..

[@kuldipsingh8565]

well job,thx

[@rawsoul8104]

Sir i jus wanted to know that one time investment every month in a single fund..vs sip on that fund..... Does they give same return.??

[@ayushgautam9333]

Absolutely not Lumsum gives high returns as compared to SIP Lumsum should be considered for short term financial support SIP is beneficial for long term 15 to 20 years. Lumpsum can be good deal if u are buying new bike or new car in a span of time. For eg. Invest in lumsum in desired mutual for couple of years and when u check ur principle amount it's almost more than half. This is good way to buy expensive things. It's my opinion Do your own research

[@manoharsingh6050]

For elss though I prefer lump sum only. 1. say for 3 years lockin, one would have to wait 6 years to see the whole amount withdrawal. Although being invested for longer duration is better but it’s certainly a drawback. 2. You would not be committed in investing in the same mutual fund every year. Depending on expense ratio , performance etc you can choose which elss fund to invest every year.

[@akshayamte1031]

Y bat to shi h bhai mgr kse decide krnge kb kis plan m kos waqt invest kre..

[@architkapoor2503]

How come 6 years?

[@manoharsingh6050]

@@architkapoor2503 in case of monthly sip for 3 years . The last sip you do would be end of 3 rd year and would be withdrawal at end of 6th year

[@architkapoor2503]

@@manoharsingh6050 Right. But that doesn't means that the first SIP that you did is locked for 6 years. The first monthly SIP that you made is withdrawable, and actually re-investable after 3 years/36 months. Essentially, every purchase transaction is locked for 3 years only.

[@manoharsingh6050]

@@architkapoor2503 that’s right

[@AmanSharma-sv1hr]

Sir can we extend are mutual fund without withdrawal money?? After maturity of fund

[@thecybersahil]

*What if we planned to Invest for 3yrs and we took SIP of 1000 rupees for 3 yrs. What do you after completing 3 yrs ? Do we've to update it ?*

[@sagarmane9431]

But in elss tax savings MF mai konsa tarika acha lumsum pr sip , q ki sip kre to jab ham invest kr rahe hai tab se 3 year lock hota hai ?

[@sagarodedra6104]

Thanks for such an informative video

[@Desh_bhakt24]

Ours is a bullish market and SIPs for a longer period of time will give you very less returns. In lump sump, even if you buy at an average price, after a five years of period you will get good amount of returns provided you in a good ELSS mutual fund at once. Just check all the mutual funds in the last 5-6 years, NAVs of all of then rose steadily, except few like Nippon India etc. So for a long term wise decision is to invest lump sump. SIPs will give poor return for a longer period of time in a bullish market as your average cost price will keep on rising YoY.

[@entertainingvideos9281]

By investing in SIP, are we not losing the returns. For example a unit bought in the first month will have accumulated some returns by the end of the 12th month, compared to units bought in the 12th month. I am a beginner, can someone please clarify ??

[@Manu-tf9cu]

Yup. You are right. While SIPs average out market fluctuations, it also averages out your returns, because your first SIP would have remained invested for a much longer period than your last invested one. On the other hand, if you are able to do lumpsum investment at a low NAV of the mutual fund, or if you are sure that your fund will reasonably grow in the long term of say three to five years, then you will get better returns with a lumpsum

[@entertainingvideos9281]

@@Manu-tf9cu Thank you.

[@teachedu2105]

Nice video sir, SIP को withdraw kab karna chahiye sir?

[@roshanserrao854]

30 saal bhaad

[@sachinshingne2868]

important video . thanks sir 🙏

[@fireplace4k_UHD]

Great video but we can increase our earnings by investing on last days of month instead of start of month. There will be difference between both 1 to 1.5 percent.

[@shankysays]

Logic kya hai iske peeche?

[@sahilchaudhary8908]

Is it true ?

[@ajaydeeparya9513]

Probability is near Yes...

[@charlieoocharlie9466]

Nope

[@fireplace4k_UHD]

Search your logic and any other thing yourself, I have told this truth/fact.

[@harshak8251]

Thanks a lot for valuable information

[@RjDancest]

Kindly share me the name of the bank which charges 5 to 10 rupees in case of sip bounce

[@theperfectplate5934]

Plz provide SIP or PPF which one is the best for private sector employee

[@roshanimishra5049]

Helpful video for me thankyou 👍

[@pankajprasad5087]

sir ... I've money but i don't know ABC about share market and stocks. So can i go through SIP for long term (15 years) per month 3000...?? now my question is whether it is safe? can i get good return..??

[@amarg2199]

In the very long run lumpsum generate more returns. It’s better to support it sip from salary. Best of both to make moooooooooooooney

[@rinku1150]

Hi sir ,very nice information kotak asset allocator fund kaisa hai usme lumsum investment kare ya sip, mujhe 5lakh invest karne hai plz suggest 🙏

[@kuldeepkatiyar6455]

Sip is best bro

[@shreyash4164]

You have cash so you can do lumsup for. More returns in less time

[@atorbfire]

For lumpsum you need to be lucky or extremely talented to time the market

[@aks6124]

Sir I have an doubt if I stop my SIP After 10 years, but don't withdraw money for next 15 years what would be the return? Or how is the return calculated

[@teachedu2105]

Kuvera app me investment withdraw ka kuch paisa lagta है kya?

[@surajitpatra.3717]

@Labour Law Advisor Which app is best for direct mutual fund.grow,etmoney or kuvera etc...

[@biswanathhait2314]

All this app zero commission

[@nitishkumar-bf5kh]

groww or zerodha coin

[@shreyash4164]

Groww and upstock

[@abcdofxyz8836]

in case of debt & Liquid funds Lumsum is better than SIP. As in these type of fund NAV grews constantly? Please reply brother, Please Please....

[@pradipchakraborty.4355]

Nice video....

[@mayankdargan476]

What if i am investing lumpsum in NFO that is not yet launched and NAV is fixed

[@exxtraagyaanofficial10m36]

long term investment me paise ka face value change hota hai real value nahi. Because of inflation, tax deduction, charges on withdrawal etc. Isliye long term investment me high percentage return hone par hi benefit hai warna nahi.

[@Mitti07]

I prefer for SIP.. With small amount ! No experience, anyways I try to invest...

[@ajaykumaryadav1952]

Please make a video on sip date and best sip app.🙏🙏

[@sumitkanungo9698]

this is not relevant topic but plz help me out.....Kya gaurdian name change kar sakte hai kya Sukanya samridhi me...jaise agar wife ka name gaurdian me hai to kya husband income tax 80c me rebate clain kar sakte hai kya...plz help

[@amitpaul7940]

Investment isn't done for next day return or return after 1 year. No matter what you do, you are not going to get the most % of return any MF or stock have generated. Be it lump sum or SIP. If you do it for atleast 3-5 years. You are going to get decent returns.

[@SatyamSingh-rc4jh]

This method does not apply on Equity investment. Investing lumpsum amount earliest on equity will have more probability that your money will grow better than SIP.

[@anujkaushal3414]

True!

[@mandarw100786]

This video is for beginners

[@andhrapower24]

What is the best date of every month...as I heard last week the prices will be less than the first week of every month...is that true ?