Knowledge Base

Both invest at regular intervals and use price averaging to reduce the impact of market fluctuations but they work very differently.

With a Mutual Fund SIP, a fund manager decides where your money goes. Your investment is pooled with others and spread across stocks, bonds, or other assets. You don’t pick individual companies.

With a Stock SIP on Samco, you choose the stock directly. You decide which company, how many shares per instalment, and how often to invest.

The charges are different too. Mutual funds charge an expense ratio and may have exit loads. A Stock SIP on Samco has neither you only pay a flat ₹20 brokerage per executed order plus standard statutory charges. No exit load, no lock-in.

If you’re comfortable selecting companies yourself, a Stock SIP gives you more control. If you prefer a managed approach, a Mutual Fund SIP may suit you better. Many investors run both simultaneously.