#SIP Basics

[curiousquill1]

Discover how to choose the best SIP plans and maximize returns with expert insights from certified financial planners. Make smarter investment decisions today.

[neoluca]

oh my god they were crew mates....

[fujii-draws]

Oh god. Oh fuck. Horrible Dusknoir/Aimilios hc just spawned in.

What if near the beginning of the stoneship fight… Dusknoir overheard Grovyle, and realized Aimilios was the key to Temporal Tower. So if he just dragged only him back to the future— everything could stay. He wouldn’t have to lose his life. And Aimilios feels his fur standing up when Dusknoir is just staring at him for an uncomfortably long time with an unreadable expression.

Before he lunges towards him.

Ribbons and Grovyle would immediately get in-front of Aimilios and counter attack— trying to ward off Dusknoir from getting anywhere close to him.

…And near the end of the fight, when all of Dusknoir’s Sableye are down except for him— He becomes desperaterelentless— constantly charging the aura pup so aggressively during their fight. and only him. At one point— Even managing to grab the Riolu. (so that’s two times Aimilios got viciously grabbed by him, fun!)

Which makes the aura pup whimper out in fear before Grovyle slices the cloaked ghost-type’s arm with a Leaf Blade. <<(WHICH ACTS AS A KIND OF BITTERSWEET SWITCHAROO OF GROVYLE PROTECTING PARTNER FROM DUSKNOIR RATHER THAN VICE VERSA)

…And that just ends up being the main reason why Aimilios is so deathly afraid of being physically close to Dusknoir compared to Ribbons. And why he’s so much more jumpy/terrified whenever he gets near him when he returns years later.

[water-bottle-dont-sip]

Various doodles bc I have had no time to draw lately (sorry for the inactivity </3)

Human sonic design (last pic) by kalimero on twt!

[potionpeddlerpatchy]

Okay, no but like hear me out for a second.

You're invited to your close friend's wedding to Kirishima, and despite her saying otherwise, she, the groom himself, and both sets of parents try the entire time to set you up with the best man; Bakugou Katsuki

[gocrazyahhahgostupidahjssjjaah]

so uh

I call it

✨betterkov✨

[question-another-doctor]

[curiousquill1]

How to Choose the Best SIP Plans and Returns with Expert Certified Financial Planner Insights

What is a Systematic Investment Plan (SIP)?

Ever heard a person say, “Start small, develop huge”? That’s basically the spirit of a SIP. A Systematic Investment Plan lets you invest a fixed amount regularly—usually monthly—into a mutual fund. Instead of dumping a large chunk of money all at once, SIPs help you build wealth step by step. It’s like planting a money tree that grows over time with waterings every month.

Why SIPs Have Gained Popularity

SIP Planning is popular because they’re simple, accessible, and don't require a finance degree to understand. You don’t need to time the market or track stocks daily. Just set your SIP, automate it, and let it grow. With as little as ₹500 per month, even college students and new earners can start investing.

Factors That Define the Best SIP Plans

Risk Appetite and Investment Horizon

Not all SIPs are made equal. Some are aggressive (high risk, high reward), while others are conservative (low risk, lower reward). If your goal is 10 years away, you can take more risk. But if it’s just 2 years down the road, you’ll want something stable.

Financial Goals Mapping

Ask yourself: What’s this money for? Buying a house, retirement, or your kid’s college? Your SIP should match your financial timeline and purpose. This is where a Certified Financial Planner can really help—they help you see the big picture, not just isolated numbers.

Past Performance and Fund Consistency

While past performance isn’t a guarantee, it’s a clue. Look for funds that perform consistently well over 3, 5, and 10 years—not just one lucky year. Consistency is key.

Different Types of SIP Plans in the Market

Equity-Based SIPs

These are growth-oriented but come with volatility.

Large Cap, Mid Cap, Small Cap Funds

Large Cap: Stable, reliable companies (e.g., Infosys, HDFC).

Mid Cap: Moderate risk and return.

Small Cap: High growth potential, high risk.

Debt-Oriented SIPs

Ideal for conservative investors. These funds invest in government securities, corporate bonds, etc., and are relatively stable. Great for short-term goals or people who hate seeing red in their portfolio.

Hybrid SIP Plans

Can’t decide? Hybrid funds mix equity and debt. You get a bit of both worlds���growth and stability. Balanced Advantage Funds are a hot favorite in this category.

Role of a Certified Financial Planner in SIP Strategy

Personalized Financial Planning

Think of a Certified Financial Planner (CFP) as your investment coach. They don’t just pick funds; they build a roadmap tailored to your income, expenses, and future goals.

Risk Management and Tax Efficiency

A CFP helps structure your SIPs not just for maximum growth but also for minimum tax. ELSS funds, for example, let you save tax under Section 80C and grow your money.

Optimizing SIP Returns Over Time

Annual Increase in SIP Contributions

If you earn more, invest more. A ₹5,000 SIP growing by ₹500 every year will deliver significantly more than a flat ₹5,000 SIP. Many fund houses offer this feature—use it.

Tax-Saving with ELSS SIPs

Want to save tax and invest at the same time? ELSS funds (Equity Linked Savings Scheme) are your go-to. They offer tax deductions under Section 80C and have a lock-in of 3 years.

Monitoring and Rebalancing Portfolios

Check your portfolio once or twice a year. If one fund underperforms or your goals change, adjust accordingly. A Certified Financial Planner can help rebalance your investments without breaking your long-term plan.

Conclusion

Choosing the first-class SIP plans and returns isn’t approximately chasing tendencies or copying your buddy’s portfolio. It’s approximately understanding your desires, understanding your chance tolerance, and staying disciplined. SIPs praise consistency, endurance, and clever planning not flashy actions.

Expert guidance from a Certified Financial Planner can fine-tune your strategy, helping you avoid common mistakes and maximize returns. In the end, SIPs are not just investments—they’re financial habits that can change your future.

[pro-sipper]

What do proshippers generally believe about shipping real people? Stuff like creator x creator or celebrity x reader?

That it falls under the umbrella of "you should be allowed to write anything you want". Once again, it's not my personal thing. There's no real life pairing I read for, and the whole "blank x reader" is not appealing to me at all.

But I have no problem with people writing that stuff, or knowing it's out there. I saw someone a while back say that it's basically just writing about another character, and I agree with that. No matter how much a creator posts or how open a celebrity seems with their personal life, we're still only seeing a tiny snippet of their lives. We have no clue who they are when the cameras aren't recording because we just don't know them. And whatever someone chooses to write about is mostly stemming from that particular persona that they happen to put on for the world and that's it. It's completely separate from our reality because they're basically just writing about another made up character

The problem I have, and it's what I imagine most proshippers also take issue with, is when people start blurring the lines between fiction and reality. To me, there's a world of difference between posting something on ao3, and speculating on secret relationships in the comments of someone's youtube video. Or between talking about something on tumblr, and tagging the person directly on twitter.

I just don't understand people who condemn rpf and talk about how gross and invasive it is, but think it's funny to tag celebrities on twitter to bring up (what they think is) cringe-worthy fanfic tropes that people have written them into. Or people who print out fanworks to shove into an actor's face at a meet and greet and ask them what they think about it. That's where the lines get crossed, to me.

I think ao3 and tumblr still have an air of mysticism to them. A little secrecy, a little privacy. In the sense that someone in the public eye would have to put in a little work to find this stuff for themselves. They'd have to go to the site and search themselves up to find anything. As opposed to just about anyone in the world being able to force this content in their line of sight with a simple @ on a site like twitter.

So to me the problem isn't that this content exists. The problem is when people don't know how to keep fandom stuff private. Write all the rpf you want but remember at the end of the day these are real people, not your blorbos. You don't know them. It's inappropriate to say these things to them personally (which yes, also includes tagging them on twitter or in the comments of their videos). But it's also inappropriate to run up to them with other people's content just to say "look what these FREAKS wrote about you!!" And I think people either forget or just genuinely don't care about the latter.

[cepheusgalaxy]

Reading a book for school that is actually pretty interesting

It's about the youngest of a rich portuguese family in Colonial Brazil who falls in love with a black prostitute woman despiste being behtroted and the pov is third person omniscient but it is quite expressive and interesting 👀 i cant say when was the last time i saw a (third person!) narrator that was so fun

[criticalbeauregard]

5.5 more hours of this episode, save me cookout sweet tea and goldfish crackers, cookout sweet tea and goldfish crackers save me

[puckpocketed]

maybe good vibes can't fix everything but they're still good vibes

dubie dubie dubie dooooooo

:)

LINK!!!!!!!! this is so cute thank uuu... augh.... vibes team..... AND he got an assist.... maybe this team really could fix him!

a friend sent me this article and um!!! shots are being fired <3 maybe all he needed was a team that would love him for who he is....!!!!!

take my FIN we are nursing him back to health . wounded creature in the woods.... his tramp stamp tattoos and curly girl moustache and undiagnosed anxiety have bewitched me and they will bewitch everyone on the capitals too <3

[aphee-sheiz]

If you're interested in East Slavic folklore, there's a movie on (ethic) Russian music I'd highly recommend

It's pretty rare for an ethnic Russian-focused film to have English subtitles, yet there they are!

While exploring our native music in quite some depth, it doesn't require any knowledge on it prior to watching. It does create a very familiar atmosphere, however

Although it's state sponsored, there's no government propaganda in sight (I would've noticed). As far as I understand, it's made by some enthusiasts who asked the govt for the money for production rather than state-ordered "art"

There's no shoving the creator's opinion in ya face and no hints at Russian exceptionalism, either, which also could've been present but are fortunately not there

Absolutely loved it, take a look

[aqpippin]

wip wednesday —

sipped her like an old fashioned

Tia turns on her bar stool to survey the hotel bar, casting her eye over the other patrons, and when she doesn't see what she’s looking for, turns back to her drink.

The bartender puts another espresso martini in front of her, then gestures down the bar.

“From her.” Tia looks over at the woman - tall, blonde, milky skin and perfectly carved cheekbones. She raises the glass toward her and takes a sip.

Not a minute later, the same woman is casually sliding onto the empty barstool next to Tia, “can I join you?” The accent makes her stomach flip.

“Of course,” Tia says politely before indicating to her drink, “thank you for this.”

“You’re not from here?”

“What on earth gave it away?” Tia replies with a soft smirk.

The woman smiles at her - bright, open, nothing to hide, “are you on vacation, then?”

“Mm-mm, here for work,” Tia replies after a short sip, “I live in London.”

[customboytoyz]

yes sibling fauxcest triggers me till i cry. but may i confess... im not immune to a little slip of daddy kink

especially the fantasy of fucking w a dude who has so many daddy issues he slips up and says it when you fuck him that good.... (shout out to like every good gay roman roy fanfic ever)

also i mean, extra validation for me 😀😋

[icewindandboringhorror]

Pictures and things