Which one is better to invest - A SIP or a mutual fund?

SIP - This is called the systematic investment plan. You have to invest a specific amount at regular intervals. It's a great option when you can't pay a huge amount at one time.

Mutual Fund - In a mutual fund, you have to make one-time down payment. In short, you have have to invest a substantial amount at one go.

I would say, SIP is a bit better! In SIP, you invest a fixed sum at regular intervals regardless of the NAV (Net asset value) or market level. Investors automatically buy more units even if the markets are low. This results into a lower average price and eventually into higher returns!

Investing in mutual funds can be risky. However, you can invest in mutual fund in any form if you have enough earning and the loss does not affect your more.

SIP is a method of mutual fund investment and not a type or comparable investment instrument. The other tool for investing in a mutual fund is a lump sum amount or one-time investment.

I would say that don't depend only on a mutual fund. Actually, you shouldn't depend only on one type of investment. Your financial portfolio should comprise of a variety of investments. And make sure you have a retirement fund and don't depend on SIP or Mutual Fund for your golden days.