Can You Invest in a Daily SIP?
SIPs have traditionally been associated with monthly contributions. However, an option quickly becoming popular is daily SIP. For some, it is even more flexible for building wealth with small contributions.
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With this approach, investors can contribute in small amounts. It is ideal for first-time investors who wish to start their journey without worrying about a lump-sum commitment.
Before moving ahead, it’s worth noting that the concept of daily SIP investment is not valid in the UAE.
What is Daily SIP?
A daily SIP is an investment method. As the name suggests, you invest a fixed amount every day into a selected mutual fund. Over time, this amount grows through the power of compounding and creates wealth for you.
Although the concept of a formal daily SIP does not exist in the UAE, you can still practically follow the same method for investment in UAE.
Best Investment Plans in UAE
Some of the best Investment quotes in UAE & Dubai are:
Keep aside a small amount every day, say, AED 20. Next, accumulate it over 30 days. At the end of the month, invest the total as your monthly SIP contribution. This approach helps you in regular savings while aligning with the UAE’s monthly investment structures.
Example-
Daily Savings- AED 20
Monthly Savings and SIP Amount- AED 600
Over 3 years, your total contribution becomes AED 21,600. Assuming an expected annual return of 8% (Reducing rate), your investment can grow to AED 24,484, giving you an estimated profit of around AED 2,884.
Why Invest in SIP Daily Investment Funds?
Here are the primary benefits of choosing daily mutual fund SIPs —-
Better Cost Averaging
As you make more frequent purchases, you average out your cost-per-unit far efficiently compared to monthly SIPs. This eventually reduces the impact of short-term market volatility.
Efficiently Manageable
It becomes easy to invest a small amount rather than commit to a larger amount. In fact, this approach is quite suitable for beginners to start investing.
Contributes to Discipline Savings
Daily investments help you build a disciplined savings habit. It becomes a part of your routine, similar to how you track daily expenses or savings.
Ideal for Volatile Markets
Since global markets fluctuate more frequently, daily investing provides a smoother long-term experience. It spreads investments across different market conditions every month.
Perfect for UAE Residents with Irregular Cash Flow
Freelancers and small business owners may not always have a consistent monthly income. Daily SIPs provide flexibility without financial stress.
SIP Calculator
Daily SIP Calculator
A daily SIP investment calculator helps you estimate the potential value you will receive in the future through daily investments. It does so by calculating the returns you might earn over a specific period. You simply need to enter your daily investment amount, expected rate of return, and investment tenure — the calculator shows the result. This eventually helps you select the best daily sip mutual fund.
Note: While you won’t find daily SIP plans in the UAE, you can explore the best SIP plans in UAE for monthly investments and start investing today! Simply compare your preferred monthly plans in the quotes and select one that meets your financial requirements.
Pros and Cons of Daily SIP Mutual Funds
Let’s understand the advantages and disadvantages of investing daily into SIPs —
|
Pros |
Cons |
|---|---|
|
Excellent AED-cost averaging |
Too many small deductions may feel inconvenient |
|
Low daily investment requirement |
Higher frequency may increase transaction load on some platforms |
|
Ideal for irregular income earners |
Monthly SIPs may sometimes perform similarly with less effort |
What is the Difference Between Daily SIP Funds and Monthly SIPs?
Tabled below are the key distinctions between investing monthly and daily SIPs —
|
Parameter |
Daily SIP |
Monthly SIP |
|---|---|---|
|
Investment Frequently |
Every day |
Once a month |
|
Cash Flow Pressure |
Very low (per day) |
Moderate (once a month) |
|
Cost Averaging |
Highly efficient |
Efficient but less frequent |
|
Suitability |
For beginners, irregular income earners |
For stable-income individuals |
Frequently Asked Questions
Can I opt for daily SIP investments in the UAE?
Unfortunately, no. There are no daily SIP funds available in the UAE. You can, however, find many options for monthly SIP investments.
Where can I find the best daily SIP mutual funds in the UAE?
Explore the top SIP plans on Policybazaar.ae, compare them, and select the one that suits your requirements the best.
Can I invest AED 10 daily into SIP?
Yes, you can. However, there are no daily SIP options in the UAE. Thus, you can simply gather AED 10 every day and invest the entire amount at the end of every month.
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Aashima Mongia
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