SIP Returns: Daily, Monthly, Quarterly – Does Investment Frequency Matter?

• A 15-year comparison of daily, monthly, and quarterly SIPs in the Nifty 50 index showed negligible difference in long-term returns.
• Daily SIPs yielded INR 1.15 crore (13.83% XIRR), monthly SIPs INR 1.14 crore (13.80% XIRR), and quarterly SIPs INR 1.15 crore (13.80% XIRR).
• Despite varying investment frequencies, the total invested amount was kept consistent across all three methods.
• Similar returns are attributed to all investments experiencing the same market cycles, with long-term compounding being the primary driver.
• Experts recommend monthly SIPs for most investors due to ease of management and alignment with salary cycles, emphasizing long-term focus over frequency.

Why It Matters: Long-term SIP returns are largely unaffected by daily, monthly, or quarterly investment frequency.