# Optimizng investment strategies through SIPsfor working class.  

**URL:** https://tradingqna.com/t/optimizng-investment-strategies-through-sipsfor-working-class/158302
**Category:** General
**Created:** [January 2, 2024, 1:12am UTC](https://tradingqna.com/t/optimizng-investment-strategies-through-sipsfor-working-class/158302 "2024-01-02T01:12:02Z")
**Posts on this page:** 2
**Page:** 1

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### Author: ![Aaron\_Rego](https://tradingqna.com/user_avatar/tradingqna.com/aaron_rego/32/88135_2.png) [@Aaron\_Rego](https://tradingqna.com/u/Aaron_Rego)
#### Post date: [January 2, 2024, 1:12am UTC](https://tradingqna.com/t/optimizng-investment-strategies-through-sipsfor-working-class/158302/1 "2024-01-02T01:12:02Z")

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Dear Zerodha mates,

the fifth of every month is known as “Mutual Fund Day” based on basic research. This is because many people receive their salary on the first day, and if it falls on a weekend, they may get it on the second or third day. As a result, people often choose the fifth of the month to invest their money.

Here is an alternative strategy, Instead of investing the same amount every fifth of the month in the stock market, Dumping the same amount on every expiry date. The expiry day is the last Thursday of every month, which can be the 25th, 26th, or 27th. By consistently investing a fixed sum on every expiry day, one might outperform others.

I am Seeking your professional opinion on allocation & potential adjustments on Investing you as an investor dumping 8000 INR/month in Indian equities (60% Large, 20% Mid, 10% Small), 30% International Equity, and 10% Gold mutual funds.

Regards,  
Aaron Rego

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### Author: ![Meher\_Smaran](https://tradingqna.com/user_avatar/tradingqna.com/meher_smaran/32/45882_2.png) [@Meher\_Smaran](https://tradingqna.com/u/Meher_Smaran)
#### Post date: [January 2, 2024, 3:17am UTC](https://tradingqna.com/t/optimizng-investment-strategies-through-sipsfor-working-class/158302/2 "2024-01-02T03:17:51Z")

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Hi @Aaron_Rego

The decision to select the date of SIP should be based on one’s convenience rather than expecting any major change in returns. Historical data also suggests that the returns are the same no matter when we invest.

Check this post out for more insights regarding this topic:

> [@What's the best day to start an SIP?](https://tradingqna.com/t/whats-the-best-day-to-start-an-sip/150267):
>
> When we initially launched Coin, for the sake of operational ease, we only allowed SIP creation dates in 5 day increments like 5th, 10th, etc. One common query we kept getting was to allow all dates. I used to explain to investors that the choice of the date of the SIP didn’t really matter, and the returns would always be the same, and convincing them, used to take some effort. WhiteOak MF recently published this simple SIP study explaining the same thing. SIPs work because they are a simple an…