SIPs Gave Just 6.7% Return in 20 Years? | TRUTH will surprise you | Neeraj Arora #107

Learn about Mutual Funds with me- https://academy.learnn.club/courses/I... Be Your Own Personal Finance- https://academy.learnn.club/courses/B... Apps I use for Investing- Zerodha: https://zerodha.com/open-account?c=ZA... Does SIP really give only 6.7% returns? A viral post on social media claims that investing through SIP in the Nifty 50 for the last 20 years has generated only around 6.7% annual returns. This has created confusion among many investors. Some people have even started questioning whether SIP investing is worth it. In this episode of The Money Podcast, we break down this claim in a simple and practical way. We discuss: Is the 6.7% SIP return claim true? CAGR vs XIRR – which return should be used for SIP? Price Return Index (PRI) vs Total Return Index (TRI) Why many investors misunderstand SIP returns Why investor behaviour is more important than choosing the perfect mutual fund Why people stop SIPs at the wrong time Small-cap SIPs vs Index Fund SIPs Asset allocation and goal-based investing Common SIP mistakes every investor should avoid How to build long-term wealth through disciplined investing Timestamp- 00:00 - The Viral Twitter Post: Is SIP Useless? 01:24 - The Math Error: CAGR vs. XIRR Explained 03:19 - Reality Check: Actual Nifty 50 TRI Returns 04:42 - The Real Danger: SIP Stoppage Ratio & FOMO 06:50 - Investor Behavior vs. Mutual Fund Returns 09:33 - Fact-Checking the Charlie Munger Quote 14:22 - Where are the "SIP Crorepatis"? 20:04 - Action Plan: Goal-Based Investing & Asset Allocation This podcast is for every investor who wants to understand how SIPs actually work instead of believing everything they see on social media. By the end of this episode, you will know why long-term investing is about discipline, patience and the right behaviour—not just returns. If you found this episode helpful, subscribe to the channel and share it with someone who invests through SIP. Disclaimer: This video is for educational purposes only and should not be considered investment, tax, or financial advice. Please consult a qualified financial or tax professional before making investment decisions.