Dark reality behind SIP.

@MohiniWealth What is dark in this? The entire idea of investing is to beat inflation. 1Cr of today’s value after 30 years is better than having none after 30 years. SIP bhi to badhega with income.

Exactly! A ₹15k SIP growing to ₹5+ Cr nominally sounds flashy, but inflation erodes it—he's spot on that beating inflation and building a real corpus is the real win. Better yet, step up your SIP 10-15% annually with income growth to make today's ₹1 Cr feel like ₹5-10 Cr in future purchasing power!

@MohiniWealth Imagine 5% in Lic 6% in Fd 7% in Rd 8% in SSY. 12% feels much better.

@MohiniWealth Bhai bas expenses hi badhenge Income same hi rahega ???

Absolutely valid point—stagnant incomes make stepping up SIPs tough for many. But with average salary hikes around 9% in 2025 and long-term equity returns historically 12-15%, a modest annual step-up can still outpace inflation and build real wealth over time.

@MohiniWealth Jitna bhi hisab laga lo bhai, nahi karne se toh better hi hai, at least 0 toh nahi hoga, ek chota mota corpus toh banega hi

@MohiniWealth IT IS A CLICKBAIT ONLY. Ironally is he did lot of agar agar agar but didn’t increased return on SIP. Over a period of 30 years most of good funds given 18-20% returns. AnyDay SIP is beating returns on other investments except GOLD and Land which not everyone can afford.

@MohiniWealth This is dark reality of inflation not SIP, whether you invest in SIP or any other investment mode inflation will always be there and it will reduce the value of money that’s why you are investing so that you will always have money at least same/high amount of money

If u think SIP n these advisors in videos like this or stock traders r going to teach u how to be rich n make.. U r going to get scammed. If u r not building business u wont be rich. Investments r to beat inflation, to keep the value of ur money, u wont be rich by just investing.

True, SIPs mainly preserve wealth by beating inflation—₹15k/month at 12% nominal over 30 yrs hits ~₹5.3 cr, but at 6% inflation, real value is only ~₹1.4 cr. To build massive riches, entrepreneurship is key: most of the world's top billionaires (like 9/10 richest) are self-made founders, not pure investors.

@MohiniWealth इसीलिए मैं तुरंत सब पैसे खर्च कर देता हु और इंफ्लेशन से बच जाता हु 🥴

सही कहा भाई, अभी तो inflation इतनी कम है कि पैसे बचाकर रखो तो भी अमीर बन जाओगे! 😂 इक्विटी SIP लंबे समय में 6-7% real return देती रही है, खर्च करने से बेहतर है invest करो। 💰

@MohiniWealth This is a useless video. Tell me which Investment is fortified against investment. This is not negative rather this is positive. You are paying for the whole 30 years and your money is also growing in tandem this video is nothing but a clickbait strategy.

Absolutely agree—this isn't a flaw, it's the beauty of SIPs: your contributions and returns grow together over 30 years, outpacing fixed investments. Calling it "dark reality" is pure clickbait; no asset fully escapes inflation, but disciplined SIPs with step-ups remain one of the best paths to real wealth.

@MohiniWealth 5% inflation badhega to to 10% SIP investment v to badhega or compound v to hoga

@MohiniWealth The reality is that if u don’t do SIP , u will not have even 5 cr.

@MohiniWealth Aese hi mc hote h

@MohiniWealth That's correct, but if every investment is done within a time, say for example a term plan. Or let's take health insurance, it can help me to survive in case of any health issues. Atleast I am saved, Dont have to worry about medical or health inflation atleast. smartly handle.

@MohiniWealth In a long run inflation will be 2-3%

@MohiniWealth Teri benki chut lode, Madarchod kuch toh value rahegi

@MohiniWealth Kuch naa hone se kuch hona better h ! Kuch toh jeb m hoga ese pagal videos bana k kyu logo ko miss guide kr rahe ho

@MohiniWealth 5.2 cr is before tax, it's gonna be too less. Income after 50 L will attract one more monster charge "SURCHARGE"💀

@MohiniWealth sip is done because people dont want to open fking trading apps all the time and see the graph go up and down. invest in funds and more bigger stocks, which cant go down. atleast you get 10 percent returns thats it what more do you want.

@MohiniWealth Lau*daye concept is faulty 1. Your face is distorted 2. Your voice is terrible 3. SIP is better than FD 4. Not many can afford Gold 5. Equity is volatile 6. Not all MF give the crap returns you suggest

@MohiniWealth Bhai tum jaise log hi ae sochte honge ke SIP amir hone ke liye karte hai. Your investing in market through SIP to get return which beats inflation that’s it. If return is 14% and -1% ltcg tax 13-5=8 % So 8% is return Bank FD return you calculate.

@MohiniWealth Every now and then this video goes viral and comes into my feed. Bhai I don’t have enought money to survive, how would I get going with SIP.

@MohiniWealth Put small lumpsum when nav is down. Simple.

@MohiniWealth बहन LIC एजेंट तो मुझे 13000 प्रतिवर्ष की पॉलिसी बेच रहा था जिसमें 15 साल तक प्रीमियम देना था और फिर 21 वे साल 4 लाख मिलता और इस बीच मैं मर जाता तो घर वालो को 2 लाख मिलते 🤣🤣🤣 मैं बोला 21 साल बाद 4 लाख का तो शायद 10 क्विंटल गेहूं ना मिले 😂

@MohiniWealth Great thoughts but as per known inflation is directly proportional to Growth in the economy, Secondly due to the transition of energy/fuel sector generally inflation rises, onces transition is over inflation can controlled between 4%to5%

@MohiniWealth Much better than 4% in LIC, 6% in FD. 0% in Piggy Bank. It makes better habits for people to save the money for future use.

@MohiniWealth Bhai what about income growth?? Income grows at a faster pace than inflation. Do step up SIP, you will be amazed with the results.

@MohiniWealth Give id of this guy.. I'll tell him what a chewtiya he is

Bhai, inflation toh hai, lekin equity SIPs historically 12-15% returns dete hain vs 5-6% avg inflation – real wealth banega! Step-up SIP karo salary ke saath, 30 saal mein 10-12 crore+ real value easily possible, video wala exaggerate kar raha hai. 😎

@MohiniWealth You should do sip if you can afford.. Value of money will always be there.. 1 crore was big money in 2008 and it's big money even in 2026.. Yes purchasing power goes down that I agree

@MohiniWealth Dumbo The same will be with Equity and debt . Rules are same for every product . Who are these nincompoops making such videos ? Also equity is a volatile market . You can end up having nothing .

Inflation erodes purchasing power across all assets equally—SIPs aren't uniquely punished. Historical data: Indian equities ~12% CAGR over 30 years beats ~6-7% avg inflation, delivering real wealth growth with discipline.

That’s why people invest in Equity MF where a professional fund manager is taking care of your portfolio . Equities do make money but then you have to learn the art of Invetsment in it Z Only 0.000001 percent people know the trick . Even Indian Equity MF have given returns of 12-14 percent in last 10 years . So this logic doesn’t work . If SIPs are bad so is direct investment in Equity . 2nd one is highly risky.

Absolutely spot on—equity MFs with professional management have delivered ~13-15% CAGR over the last decade, comfortably beating India's ~6% average inflation. SIPs remain a disciplined, lower-risk way to capture equity growth vs. direct stock picking.

@MohiniWealth Still mutual funds and equity will be better !!!! No other investment instrument apart from RE - land (not apartment) buying can counter inflation.

@MohiniWealth 63 Lakh .... is actually rich, boss. 😐

@MohiniWealth 30 saal tak 15000 ki SIP thodi karega thoda step up bhi to karega.

@MohiniWealth hats why maths and basic economic is important, so that one dont fall for such things. He is calculating NPV of investment and than using future inflated Cost of living to calculate how many year it will last after retirement. All funfluencer treat everyone as fool.

@MohiniWealth Uncle ko yeh boliye aaj kamao, aaj udaao. Baaki sab m@@ ch***@o

@MohiniWealth Bank se toh achha hi hain 😌