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Your regular SIP will invest a fixed amount of money in equities every month irrespective of the market valuation. Over a period of time, your average acquisition rate will move lower because you buy more units when NAV is down and fewer units when NAV is up.

However, this structure has its own limitation. What is the point in buying equities when the markets are very high? This limitation is corrected in Smart SIP. In Smart SIP, your funds will be invested in debt when markets are very high.

Only when the market cools down to more reasonable levels, your funds will be moved from debt to equity. Also, the money may be moved other way round ie., from equity to debt, depending on the market valuation. Hence, Smart SIP delivers substantially better returns and that too with lower risk.