SIP Frequency Myth Busted: Daily, Monthly, Quarterly Yield Similar Returns

• A 15-year study on Nifty 50 index compared daily, monthly, and quarterly SIPs with the same total investment.
• Daily, monthly, and quarterly SIPs showed strikingly similar long-term returns, with negligible differences of a few basis points.
• Daily SIP yielded ~Rs 1.15 crore (13.83% XIRR), monthly ~Rs 1.14 crore (13.80% XIRR), and quarterly ~Rs 1.15 crore (13.80% XIRR).
• The study concludes that "time in the market" and consistent investment discipline are far more crucial than SIP frequency.
• Monthly SIPs are recommended for most investors due to practicality, aligning with salary cycles and ease of management.

Why It Matters: SIP frequency doesn't materially change long-term returns; focus on staying invested and increasing contributions.