{"id":8235,"date":"2015-09-28T11:48:23","date_gmt":"2015-09-28T06:18:23","guid":{"rendered":"https:\/\/blog.fundsindia.com\/blog\/?p=8235"},"modified":"2019-06-06T19:10:35","modified_gmt":"2019-06-06T13:40:35","slug":"is-there-a-good-date-for-a-sip","status":"publish","type":"post","link":"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/is-there-a-good-date-for-a-sip\/8235","title":{"rendered":"Is there a \u2018good\u2019 date for a SIP?"},"content":{"rendered":"<p>Investing each month is a sure-fire way to make the most of market ups and downs in your equity funds. But given that there are 28 days on which you can make that investment, does investing on a particular day give better returns than others?<\/p>\n<p>While at FundsIndia you can run a SIP up to the 28th, in most places and also with AMCs, SIPs (systematic investment plans) are allowed on specific days only \u2013 that is, your bank account will be debited and scheme units be allotted to you only on those days. The most common dates are on the 5th, 10th, 15th, and 25th of each month. Only a few allow an SIP even later.<\/p>\n<p>So we picked a sample of equity funds from each category (large-cap, small-cap, and the multi-cap), as well as the main stock market indices. We then checked what the returns turned out to be on investments made on each of the four common days.<\/p>\n<p><strong>Slight differences<\/strong><\/p>\n<p>The result? Those of you who really want to milk the last drop of your investments can consider investing at the end of each month. Returns on investments made then are higher \u2013 if only by a mere whisker &#8211; compared to others. The end of the month works slightly better as derivative expiry on the last Thursday of each month usually makes the stock market at the time more volatile.<\/p>\n<div class=\"blog-highlight\" style=\"clear: both; background: #ff6600; border: none; width: 60%; text-align: center; box-shadow: 0 5px 5px rgba(0, 0, 0, 0.5);\"><a style=\"text-decoration: none;\" href=\" https:\/\/www.fundsindia.com\/content\/jsp\/sip-funds.do?utm_source=blog&amp;utm_medium=referral\" target=\"_blank\" rel=\"noopener\"> <span style=\"color: #fff; font-weight: bold;\">Start an SIP Now! <\/span><\/a><\/div>\n<p><img loading=\"lazy\" class=\"size-medium wp-image-8236 alignright\" src=\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2015\/09\/when-sip-300x156.png\" alt=\"when sip\" width=\"300\" height=\"156\" srcset=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2015\/09\/when-sip-300x156.png 300w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2015\/09\/when-sip.png 348w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>But if you aren\u2019t very particular, there is no single \u2018best\u2019 day to run your SIP. Refer to the table alongside.\u00a0Any day in the month will give you pretty much the same returns, with the difference in yield less than one percentage point. The yields in our sample funds list mirrored this trend too. Even over longer periods of seven or ten years, differences are slight. This is also borne out by the fact that investing each week doesn\u2019t deliver much higher returns than monthly investments.<\/p>\n<p>It is usually more convenient to set an SIP at the start of the month, as that is when your salary also normally flows in. It is often easy to get carried away or lose track of the balance in your account due to regular household expenses, bills, loan obligations, and so on.<\/p>\n<p>Therefore, if you do choose to invest at the end of the month, ensure that you always have sufficient money to do so. Maintain a separate account for your investments to avoid a scenario of paucity of funds when your SIP is due.<\/p>\n<div style=\"width: 90%; margin: auto;\">\n<div style=\"float: left; background: #ff6600; border-radius: 5px; padding: 10px; width: 40%; border: none; text-align: center; box-shadow: 0 5px 5px rgba(0, 0, 0, 0.5);\"><a style=\"text-decoration: none;\" href=\" https:\/\/www.fundsindia.com\/content\/jsp\/sip-funds.do?utm_source=blog&amp;utm_medium=referral\" target=\"_blank\" rel=\"noopener\"> <span style=\"color: #fff; font-weight: bold;\">Start an SIP Now!<\/span><\/a><\/div>\n<div style=\"float: right; background: #ff6600; width: 40%; padding: 10px; border-radius: 5px; border: none; text-align: center; box-shadow: 0 5px 5px rgba(0, 0, 0, 0.5);\"><a style=\"text-decoration: none;\" href=\"https:\/\/www.fundsindia.com\/content\/jsp\/advisor\/AdvisorAppointmentAction.do?utm_source=blog&amp;utm_medium=referral\" target=\"_blank\" rel=\"noopener\"> <span style=\"color: #fff; font-weight: bold;\">Talk to an Advisor <\/span><\/a><\/div>\n<\/div>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Investing each month is a sure-fire way to make the most of market ups and downs in your equity funds. But given that there are 28 days on which you can make that investment, does investing on a particular day give better returns than others? While at FundsIndia you can run a SIP up to [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[36,338,49],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Is there a \u2018good\u2019 date for a SIP?<\/title>\n<meta name=\"description\" content=\"Running a SIP towards the end of the month delivers slightly better returns\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/is-there-a-good-date-for-a-sip\/8235\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is there a \u2018good\u2019 date for a SIP?\" 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