You have a SIP running.
Money leaves your account every month. Your portfolio slowly grows. It feels responsible.
But here’s the question most people never ask:
How did you decide that SIP amount?
“Felt right.”
“Fit my budget.”
“My friend started with ₹5,000, so I did too.”
That’s not investing.
That’s guessing with autopay.
Table of Contents
The Real Problem
Most people start with an amount first.
₹2,000.
₹5,000.
₹10,000.
But these are comfort decisions, not financial decisions.
The question was never:
Can I afford this SIP?
The real question is:
Will this SIP help me reach my goal?
That changes everything.
Traditional SIP: Start First, Figure Out Later
This is how most SIP journeys begin. Choose a fund. Pick an amount that feels manageable.
Start investing.
The SIP runs. The portfolio grows. It feels like progress.
But nobody asks:
What is this money for?
When will I need it?
Is this amount actually enough?
Without these answers, a SIP becomes a habit, not a plan.
The Invisible Gap
Suppose your goal is ₹15 lakh in 5 years.
You invest ₹5,000 every month.
At an expected 12% return, you may end up with around ₹8.2 lakh.
That leaves a gap of ₹6.8 lakh.
The problem?
You won’t notice it for years. Everything will look fine until the day your goal arrives and the money simply isn’t enough.
The Fydaa Way: Goal First, Amount Second
Fydaa flips the process.
Traditional SIP:
Amount → Fund → Hope
Fydaa SIP:
Goal → Timeline → Calculated SIP → Fund
Before investing, two things become clear:
What are you investing for?
By when do you need it?
Only then is the SIP amount calculated.
Not guessed. Calculated.
Why This Matters
The same ₹15 lakh goal in 5 years may actually require a SIP of around ₹18,300 and not ₹5,000.
Maybe that number feels uncomfortable.
But honest numbers are better than comfortable numbers.
Because once you know the real number, you can:
• Adjust your timeline
• Change your goal amount
• Increase your SIP gradually
Now you’re making decisions based on math, not assumptions.
The Difference
A traditional SIP asks:
Am I investing?
A Fydaa SIP asks:
Is my investing actually working?
Because investing is not about starting.
It is about reaching where you planned to go.
DISCLAIMER: Multistrato Capital Advisors Private Limited Type of Registration: Non-Individual. RIA Registration Number: INA000015969 Validity: Perpetual Registered Office Address: #903, EcoStar Building Off Aarey Road, Vishweshwar Road, Goregaon East Mumbai- 400063, India GST number: 27AAHCM9321Q1ZS
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Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
“Investment insecurities market are subject to market risks. Read all the related documents carefully before investing.”
