Are SIP investors silly? Radhika Gupta tells critics to check 10-year returns

Criticising "clickbait articles of mutual funds being a scam and retail investors being silly", Radhika Gupta, CEO of Edelweiss Mutual Fund said SIPs make money for those who invest in them.

"Check the ten year returns of an SIP in an equity fund even when markets deliver very average returns - and SIPs allow fund managers to deploy capital gradually," the CEO said on social media.

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With monthly SIP contribution reaching Rs 26,000 crore in a month, Radhika Gupta, CEO of Edelweiss Mutual Fund says that today a crore of investors use it and trust it and this collective trust is what gives stability to our capital markets during periods of sharp FII outflows.

She adds that the mutual fund industry has created this instrument which appeals not just to the investment needs, but the regular savings needs of Indian investors.

She wrote, “The mutual fund industry created an instrument that appeals not just to the investment needs, but the regular savings needs of Indian investors. We spend time educating investors and money marketing this solution.”

“Today, crores of investors - common investors - use it and trust it, and that collective trust is worth 26,000 crores a month. That collective trust is what gives stability to our capital markets during periods of sharp FII outflows.”


One of the most significant achievements of SIPs is that it has been a part of creating a retail equity culture so quickly, something many countries are not able to do.

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“When I met global counterparts, they were impressed by how quickly SIPs has been part of creating a retail equity culture so quickly, something many countries are not able to do,” the CEO posted on social media.

This progress is a shift from the days when equity markets were viewed as speculative "satta". Today, individuals aspire to save regularly and build larger SIP portfolios, the CEO adds.

The CEO considered SIP as an accessible savings-cum-growth solution for a critical Indian need and this deserves to be celebrated not belittled.

“This accessible savings-cum-growth solution for a critical Indian need deserves to be celebrated not belittled. The clickbait articles of mutual funds being a scam and retail investors being silly do not do our citizens any service,” she wrote on X.

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