Systematic investment plans face investor criticism over low returns

Systematic investment plans, known as SIPs, function as facilities provided through open-ended mutual fund schemes. These products enable participants to acquire fund units on a regular monthly schedule spanning a specified timeframe. In the past, such investment vehicles gained substantial popularity among young individuals entering the financial markets. However, growing dissatisfaction has emerged recently as annualised returns dropped significantly. Critics have questioned the purpose of maintaining these financial instruments when payouts yield a paltry five to six percent. This underwhelming performance has intensified public criticism among participants who expected higher gains from their monthly capital allocations. Reports indicate that current market conditions have left numerous stakeholders deeply frustrated with their overall portfolio performance. As annualised payouts remain stagnant at lower levels, questions regarding the long-term utility of these financial vehicles continue to circulate widely across investor communities.