Unpredictable Income? Master RD vs SIP for Smart, Resilient Saving

• Traditional RD/SIP advice fails for unpredictable income; focus shifts from returns to consistency.
• RDs demand fixed commitment, penalizing misses; SIPs are flexible but market-linked and volatile.
• Split savings: conservative RD for near-term needs (sized for weak months), flexible SIPs for long-term goals.
• Avoid overcommitting; choose an investment plan you can sustain even during lean periods.
• A hybrid approach (small RD + modest SIP) often works best, prioritizing resilience over optimization.

Why It Matters: For unpredictable income, prioritize consistency and flexibility in RD/SIP choices for resilient saving.