Investors approaching retirement reducing equity exposure, business owners with seasonal cash flows, people planning career breaks, or those transitioning from employment to entrepreneurship.
Is step-down SIP better than step-up SIP?
For wealth creation, step-up SIP wins almost always. Step-down SIP is a cash-flow planning tool for when income will genuinely decrease.
How does step-down SIP affect final corpus?
Significantly. A Rs 30,000 SIP decreasing 10%/yr over 10 years produces a much smaller corpus than flat or step-up. Use the calculator to see exact impact.
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