Continue SIPs for eight years to avoid loss in equities, say experts

Neither day of the month nor frequency of SIP has a material impact on returns

Investing via systematic investment plans (SIPs) has caught on in recent years. 

According to the Association of Mutual Funds in India data, monthly inflows into mutual funds (MFs) via the SIP route have grown from Rs 3,698 crore in September 2016 to Rs 12,976 crore (with 58.4 million accounts) in September this year.

Notwithstanding the popularity of SIPs, investors tend to have many questions about how best to structure them.

When to invest

One common question pertains to the most suitable date of the month for investing in SIPs. To answer this, WhiteOak Capital MF studied the returns of the