In today Scenario the SIP is very good option to stay invested.When market goes down the number of units allotted will be high and when market goes upside the number of units will be allotted as low.So overall returns will be around 12 % if invested for long time.One should invest about 10 % of monthly salary in SIP so that at the time of retirement there will be good corpus and one can get handsome pension after retirement.The salaried employee should watch his portfolio after 6 months and if its in grow side then stay invested and if your portfolio down then you should switch the fund.
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