Key Points
Investors are increasingly pouring money into mutual funds through SIPs with monthly collections surging past the Rs 16,000 crore mark..
Often illustrations for SIPs show past returns for tenures of 5-10 years, where returns could range between 10% and 20% annualised based on the type of equity fund chosen..
Money managers point out that SIPs are merely a mode of investing in mutual funds, where a fixed amount is invested on a particular date every month..
About 90% of the SIPs go into equity-oriented mutual funds in which case the money is deployed in the stock markets, which carry a degree of risk and volatility..
Many investors believe it better to buy mutual fund schemes with lower net asset value (NAV) are cheaper and hence would subsequently yield higher returns..
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