A STUDY ON IMPACT OF SIP (SYSTEMATIC INVESTMENT  PLAN) ON LONG TERM WEALTH CREATION

Sonakshi K M; Prathap B N

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Authors

Sonakshi K M 2nd year MBA Student, Shridevi institute of Engineering and Technology ,Tumakuru
Author
Prathap B N Associate professor , Shridevi institute of Engineering and Technology, Tumakuru
Author

DOI:

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Keywords:

Digital Payment, Spending Behavior, Impulsive Buying, Cashless Effec

Abstract

This study explores the impact of Systematic Investment Plans (SIPs) on long-term wealth
creation among retail investors. SIPs, by promoting disciplined and periodic investments,
help individuals overcome market volatility through the principle of rupee cost averaging and
the power of compounding. The research evaluates how SIPs contribute to financial
inclusion, encourage regular savings, and reduce the risks associated with lump-sum
investments. Findings highlight that SIPs are an effective tool for building wealth steadily
while instilling financial discipline in investors. The study also emphasizes investor
awareness, time horizon, and asset class selection as crucial factors for maximizing SIP
returns. Overall, SIPs prove to be a sustainable mechanism for achieving long-term financial
goals in the Indian investment landscape.