#types of sip

[bellwether21]

SIP vs FD: Which Investment Option is Right for You?

If you're navigating your investment journey in 2025, you've probably asked yourself: should I opt for a systematic investment plan or a fixed deposit? Both are time-tested instruments but serve very different goals. With expert guidance from a trusted Wealth Management Company in India, you can better understand the difference between FD and SIP and make an informed choice that aligns with your financial vision.

What is a Systematic Investment Plan (SIP)?

A systematic investment plan is a tool that lets you invest a fixed amount into mutual funds at regular intervals—monthly, quarterly, or even weekly. It’s a great way to develop financial discipline and grow wealth over time. For first-time investors or those seeking personalized guidance, connecting with a reliable SIP distributor in Gurgaon can make the process smoother and more effective.

Key Advantages:

Affordable Entry Point: Start with as little as ₹500 per month.

Power of Compounding: Small amounts invested consistently can snowball into significant returns.

Rupee Cost Averaging: Mitigates market volatility by averaging out purchase costs over time.

Common types of SIP:

Regular SIP – Fixed amount at fixed intervals.

Top-up SIP – Gradually increase your contribution.

Flexible SIP – Adjust payments as per your cash flow.

Perpetual SIP – Continues until manually stopped.

What is a Fixed Deposit (FD)?

A fixed deposit is a traditional savings product offered by banks and NBFCs. You invest a lump sum for a fixed tenure at a guaranteed interest rate.

Benefits of FDs:

Capital Safety: Zero market risk.

Fixed Returns: Predictable interest earnings.

Customizable Tenure: Ranging from 7 days to 10 years.

Popular types of fixed deposit:

Cumulative FD – Interest paid at maturity.

Non-cumulative FD – Interest paid monthly, quarterly, or annually.

Tax-saving FD – Comes with a 5-year lock-in and tax deduction under 80C.

Which is better: SIP or FD? For long-term wealth creation, a systematic investment plan offers potentially higher returns. For capital protection and stable income, fixed deposits are ideal.

SIP vs FD: The Core Differences (In Pointers)

Risk Profile

SIP: Market-linked; carries moderate to high risk depending on the mutual fund category.

FD: Virtually risk-free; backed by bank guarantees and deposit insurance.

Returns

SIP: Potentially higher returns over the long term, especially with equity-based funds.

FD: Fixed returns, typically around 6–7% as of 2025.

Flexibility

SIP: Highly flexible—you can start, pause, modify, or stop your investment anytime.

FD: Rigid structure; early withdrawal may attract penalties or reduced interest.

Investment Method

SIP: Involves periodic investments (monthly, quarterly, etc.) that build wealth gradually.

FD: Requires a one-time lump sum deposit at the beginning of the term.

Liquidity

SIP: Highly liquid for open-ended funds; funds can usually be withdrawn within a couple of days.

FD: Less liquid; breaking an FD before maturity often results in penalties.

Taxation

SIP: Gains are taxed as short-term or long-term capital gains depending on the holding period.

FD: Interest earned is fully taxable under "Income from Other Sources."

Suitability

SIP: Best suited for long-term goals like retirement, education, or wealth accumulation.

FD: Ideal for short-term savings or risk-averse individuals seeking capital protection.

Who Should Choose What?

First-Time Investors: A systematic investment plan helps you enter the market slowly and safely.

Conservative Savers: FDs offer the peace of mind of guaranteed returns.

Goal-Oriented Investors: SIPs are better for long-term goals like retirement or education.

Risk-Averse Retirees: FDs ensure capital preservation and steady income.

For personalized advice, a Wealth Management Company in India like BellWether can tailor a hybrid strategy for you.

Blog-Specific CTA for BellWether

At BellWether, we don’t just offer financial products—we offer clarity. Whether you're just starting your first systematic investment plan, curious about blending SIPs with fixed deposits, or want to know the exact types of SIP that match your goals, our experts are here for you.

FAQs

1. How often should I review my SIP portfolio? Ideally, review your SIP portfolio every 6 months or during major life events like marriage, childbirth, or job changes. Markets evolve, and so should your investment strategy.

2. Can I break a fixed deposit before maturity? Yes, you can. But banks usually charge a penalty or offer a lower interest rate on premature withdrawal. Some banks also offer sweep-in accounts for better liquidity.

3. Are SIPs suitable for short-term goals? Not always. Since SIPs are market-linked, short-term returns can be volatile. For goals under 1–2 years, consider liquid funds or FDs instead.

4. What is the best age to start a systematic investment plan? There’s no ideal age, but the earlier you start, the better. Even a ₹1,000 SIP started at age 25 can potentially grow into a significant corpus by age 50.

5. Do FDs offer better tax benefits than SIPs? Only tax-saving FDs offer 80C benefits but come with a 5-year lock-in. SIPs in ELSS funds also offer 80C benefits with a shorter 3-year lock-in and better post-tax returns.

[zhelin-thames]

Part 2 Wayne Family Group Chat

Tim: okay everyone just… act normal tonight please PLEASE

Dick: Define “normal”

Jason: What did you do

Cass: 👀 Tim: nothing!! nothing illegal!!! just. just dinner. simple. civilized. family dinner. 🧍‍♂️

Damian: If you’re acting suspicious, I’m bringing a weapon.

Bruce: No weapons at the dinner table.

Damian: Too late.

Alfred: The food will be served at 7:30 sharp. Please refrain from traumatizing each other until dessert.

[7:32 PM – Wayne Manor Dining Room]

Everyone is seated. Food is passed. Tension is suspiciously low. Then…

Dick (whispering to Jason): yo who’s the guy next to Tim? 👀

Jason: Idk but Tim’s looking at him like he hangs the stars

Cass: 👁️👄👁️ they’re holding hands under the table

Bruce (barely hiding surprise): Tim. Who is your… guest?

Tim (sweating bullets): This is Danny! My boyfriend! Of 2 years, 3 months, 3 weeks, and 5 days! …Surprise 😅

Danny: Hey. :) Nice mashed potatoes, by the way.

Cue stunned silence. Until—

Damian (squinting intensely at Danny): “…Out of 8 billion people… you chose HIM? You couldn’t find anyone better—BROTHER?”

Tim (scandalized): “HEY!! Leave him alone! I love him!”

Damian (deadpan): “I was talking to MY brother, Timothy.”

[Entire table goes silent. Fork clatters. Jason chokes. Dick drops his wine. Cass looks delighted.]

Bruce (visibly malfunctioning): You have a brother?

Tim: I’m sorry, WHAT??

Danny (shrugging, sipping water): Yeah. Hi. I’m Danyal al Ghul. Heir to the Demon. Escaped at ten. Been vibing ever since.

Damian: This is an insult. You didn’t even ask for permission to court my brother Drake (oops we r back to last names). My actual brother. Biological. Blood-related.

Jason: Tim’s dating a former assassin prince. Who is B's son, blood son. That’s SO on brand for you.

Dick: This is better than Netflix

Cass: 💚 new brother 💚

Bruce (massaging temples): I need a drink.

Alfred (bringing wine): Already poured, sir. read tags!!

[pro-sipper]

The funniest excuse antis give for being staunchly against a certain ship is "they'd never be together because they hate each other!!"

Like have you never heard of enemies to lovers? Have you never heard of an AU? Have you ever heard of not giving a shit? No? Sad...

[katofeles]

okay i need to talk about amirs little concoction bc ive made it several times at this point-

for starters it is very yummy, the mix between the bitter espresso and soda is pleasant, i dare to say it almost tastes... chocolate-y to me? not sure if thats a universal or just the bean blend i use. btw the order does matter, swizzling that sugar is of upmost importance. need to break it up in the coffee before ice and cola-

secondly, it does work in terms of soothing out the anxiety jitters tbh. amir and i are like the same flavor of mentally ill... so he probably processes caffeine very similarly to how i do, coffee mostly makes me more focused and calm rather than jittery and uber energized.

whereas when he drinks energy drinks (which has additives to make the caffeine more.. effective methinks) hes bouncing off the walls. super zoomies. probably going to combust. example being one of his bday chats below:

im not *that* hyperactive with energy drinks but it is the thing to actually wake me up and feel alive enough to move around (which is why i have a crippling energy drink addiction lolol).

anyways, tldr: amir's espresso/cola drink yummy, and i think its neat that they added in a small detail about how people with adhd process different types of caffeine

[bayleavesfromthevine]

wondering who suo has more beef with: kanuma or tsugeura

[mblue-art]

once again i was fueled with coffee (did not sleep the whole night) but this time i doodled college au to cope bc ofc i did (also did not feel like sleeping wooo)

[sov666sov]

Okay so HEAR ME OUT......

HC where Bi-Han gets drunk easy so alcohol makes him more ....

KIND.... AND .... CLINGY....to the point that he will cling at you like his life depend on you

The more he drink the more he...yk..do things that he sober will NEVER do

he like sooo easy to drunk that even few drops make him dizzy and he can mumbles sitting at table say some stupid shit ( i think it's funny)

Please see my vision i begging you

Twitter

[icewindandboringhorror]

What would you choose? :0c

(note: original image is from HERE (link) - but I edited it to add a wider variety of options.. also added $3 extra to the total, even though I know that makes it more uneven lol, I thought if you're adding 10 whole extra items, the money to spend should at least be increased slightly, if that makes sense..)

[mycadences]

When Elain was about to be thrown into the Cauldron (so this was before she even entered the "oh so evil and corrupt" Cauldron that "definitely twisted and created fake mating bonds!"), notice who was the one who had a visceral reaction:

Also notice how I didn't include Azriel's reaction? Yeah. Because he had none. Azriel had no reaction to Elain's greatest trauma -- her transformation into a High Fae. I can't even find any quotes during that scene, and if you don't believe me, grab your copy of ACOMAF and verify it for yourself. This is why they are definitely NOT mates. Meanwhile, Lucien tried to help Elain although it was their first meeting, so how it possibly be that their mating bond is fake and created by the Cauldron when he felt the bond even before she went in?

In fact, during ACOMAF, Azriel was heavily implied to be shipped with Mor:

But Mor, as we all know, was likely retconned and revealed to be bisexual in ACOWAR (with a greater inclination toward females), putting an end to their ship.

Meanwhile, contrast Azriel's reaction toward Elain's violation to how Cassian reacted when Nesta was going through the same thing:

Cassian's wings were shredded. He was in a sea of agony. And yet when Nesta was being thrown into the Cauldron, he was fighting to stay conscious at her screams. Because Nesta is his mate.

The same way that Eluciens are undeniably, irrefutably mates, evil Cauldron be damned.

Alternatively, you can also contrast to this scene:

Azriel is the Night Court's Spymaster. Yet he didn't leave a single one of the Hybern soldiers alive for questioning? He killed them all immediately, suggesting that he was in a fit of blind, uncontrollable rage.

Which one screams mate behavior to you?

Edit to add: I finally found it! The evidence that Azriel knew to keep at least two enemies alive for questioning, so it was obvious he was incapable of thinking clearly when he killed every single one of the Hybern soldiers who hurt Gwyn.

In this scene (in ACOSF), Cassian and Azriel were attacked by Autumn Court soldiers, and if Cassian knew the reasoning behind keeping two soldiers alive, obviously Azriel (the actual Spymaster) would, too.

"But -- Elain was wearing a cobalt blue dress when she met Azriel!"

Yeah, so? Nesta was wearing an amethyst dress when she met Cassian...

... and she ended up with Cassian, didn't she? If cobalt is Azriel's color then crimson is Cassian's (these are the colors corresponding to their siphons btw), and if SJM intended the scene to be a parallel, wouldn't she have Nesta in a crimson dress?

Also tons of people wore cobalt outfits. Feyre, Eris, Helion, even Vassa in ACOSF. I guess we should start shipping Vassa and Azriel! Azris shippers should celebrate, since by Elriels' logic your ship is confirmed!

And if you really want to compare outfits, I think it's significant that both Azriel and Lucien draped their coats over Gwyn and Elain respectively in light of their traumatic experiences. This is how you do a proper parallel.

Even SJM herself alluded to being an Elucien shipper:

Yes, this was from her actual Pinterest account before she took it down. If you search online for it, you'll find other people talking about it and that this is true, it's not just some random fake account lol.

Elriels claim that Gwyn is the red herring in their ship. I propose the opposite -- Elain is the red herring in Gwynriel's ship, like how Azriel is the red herring in Elucien's ship. Because think about it, if Elriel were really meant to be, why would SJM need to introduce Gwyn as a potential love interest for Azriel? She already had one red herring in Lucien, did she really need a second one? No, she didn't. So why? Why does all the evidence, new and old, point toward Gwynriel and Elucien and not Elriel?

Because there was never Elriel. Elriel were never mates, nor would they ever be. There was only ever Elucien (which came first) and Moriel (but Mor was retconned into being bisexual), which eventually gave rise to Gwynriel and highly likely Emorie (Mor x Emerie).

[lilithschosen]

Your honor, Rio getting a plug + getting strapped + edging, your honor please 🙏

anon these honorifics i swear, you're just tryna get on my good side (and it's working)

"wait LC it's 8am and you wrote something?" damn right, freaks. here's some edging with your morning coffee 🥰

Agatha's fingers grab at Rio's scalp as she gently turns her head to watch over her shoulder. She gasps, hips jutting back as she sees the dark blue silicone plug in Agatha's hand.

Agatha has her lying on her stomach, legs spread as far as possible, and a pillow under her hips. She would've grabbed the wedge pillow after the two managed to fumble through the house and into the bedroom, but opted for a slight elevation versus the drastic one.

"I wanna see how much you can take, is that okay?"

"Please, god, yes."

Agatha chuckles, the sound going directly to Rio's core. She runs the tip of the tapered silicone toy up her slit, gathering the wetness from the hour of teasing the both of them did to one another. Agatha watches as the toy glistens under the soft, warm light of their bedroom. She lifts the plug up, pressing the tip with enough force it slips past the tight muscle ring of Rio's other hole.

"Please, Agatha," she whines breathily. She grinds her hips into the pillow, clit dragging deliciously against the pillow case as she moans. "Fill every hole, make me feel nothing but you."

The plug wasn't thick, her gathered arousal was more than enough to help fit it into her. Agatha forces it through until the flared base rests comfortably between the globes of Rio's ass.

Agatha lifts onto her knees, scooting forward with her hand at the base of her harness. She guides the strap to Rio's pussy, rubbing at her clit with the tip of it. Rio cries out, grinding harder against the pillow.

"Sit still for me, baby," Agatha's fingers dig into Rio's hip to steady her. "Can't fuck you if you keep moving."

Rio whimpers, her walls clenching around nothing despite her ass being deliciously full. Agatha drags the head of the toy through her folds before she tucks the tip into her cunt.

"Oh god, yes!"

Agatha purses her lips, "You know my name, hon. It ain't god."

She sheathes the silicone cock into Rio, the harness pressing into the flared base of the plug as she leans in fully to make sure Rio has every inch of her. Rio reaches back with a hand, nails leaving crescent shaped indents into Agatha's wrist.

Rio rocks back, holes filled with toys and clit continuously grinding against the pillow beneath her. She doesn't wait for Agatha to set the tone and instead bounces on the toy.

Agatha's nose crinkles as she watches the toy rapidly become devoured by Rio's needy core. She simply lets her fuck herself on her strap until she watches Rio's movements grow erratic. Her hips lift heavier and slower, her palms press into the mattress as she grinds down into the pillow. Her jaw drops, just on the edge of an orgasm when Agatha drills her hips forward, pinning her into the bed.

"That's one."

Rio groans as the impending orgasm dissolves partially. Her clit throbs, her walls clench around the toy and she keeps herself deadly still.

"How many times do you think I can edge you before you forget how to speak?"

Rio barely could speak now, the number wouldn't be that high. She's desperate for release after the first lack of an orgasm.

Agatha drums her fingers against the flared base of the plug before she twists at it. Rio shouts, mushing her face into the blankets as she aches.

"If you get to five I'll let you cum," Agatha thrusts the strap in again, punctuating the last word. "Maybe."

[uncanny-angel]

my dad is a freak and my mother is an athlete and works a lot so u KNOW they stocked up on energy drinks♡♡

[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.

[whatudottu]

Regarding cerebrocrustacean’s teeth: DJW stated that they’re actually filter feeders, so I think it might actually be stylized baleen?

Hehe, cerebrocrustaceans don't need a toothbrush since their teeth are already brushes :P

Hmm filter feeding means that you gotta intake a lot of water with your food, and no matter what the water is filled with (different planets, different rocks, different elements eroding into the water of rivers and oceans), swallowing that water is not going to treat the body well. Baleen whales open mouth a lot of food and water and their 'teeth' are used to keep food in while they spit out the salt, using their tongue to do so, so if cerebrocrustaceans have a baleen then they might have a similar process.

Thinking thinking (mentions of vomiting below)

In comparison to a whale cerebrocrustaceans are incredibly small, the fact that their filter feeding is centred around keeping food in rather than letting it pass over internal gills (the method I like making orishan fed) makes it seem like their food is a little too big for gill based eating, but with the size of their brain aka one of the most nutrition and energy taxing organ in the entire body (so much so our extinct cousins the neanderthals had BIGGER brains they couldn't maintain) they probably need to have bigger if not many MANY small prey to eat in relatively large quantities. Well if cerebrocrustaceans have to filter feed like a whale, do they also have a tongue or tongue-like replacement? Well considering that Brainstorm was capable of vomitting in War of the World part 2, with the addition of a retractable baleen, cerebrocrustaceans have the physiological capacity to adjust pressure levels (increase pressure in the stomach, lower pressure in the thorax which I'm just using terms in reference to humans) as well as have the abdominal muscles to move stomach contents out.

Technically emptying the contents of your stomach is not indicative of anything but I imagine since they're kinda all torso (all thorax) that they might have a water stomach, perhaps even combining it with some form of gizzard since cerebrocrustaceans don't have teeth to chew with. They open-mouth a whole bunch of zooplanktain and maybe larger prey (closing their mouth if something bigger comes obviously), water enters the gizzard where a vomit-like function occurs, expelling all the water while the baleen catches the mouthful of food. Also! This is when underwater, especially in zooplankton swarms, does this process occur. Cerebrocrustaceans have evolved to filter feed and have a gizzard that facilitates the act to chewing thus doesn't necessitate the evolution of teeth should they (and have) live on dry land.

Of course Encephalonus IV would have a different culture to Earth, so making the transition from a reliance on the water to being able to live between environs of land and sea, they retained the habits of filter feeding habits (swallowing food and water and spitting out the water) until fully acclimating to a dry(er) setting. Technically one could say they were the type to 'drool' or 'spit' randomly all over the floor until collectively agreeing it's more of a hassle on land than in water to filter feed. Instead with the move to land cerebrocrustaceans have developed a separate cuisine culture between dry and wet settings, eating larger (though still swallowable/gizzard-chewable) foods, perhaps beginning to create and invent foods rather than rely solely on live prey. Kind of like how you can't have metal without fire, you tend not to be about to have a cuisine culture without fire too, but unlike human evolution where obviously food came before smelting, cerebrocrustaceans developed both cuisine and technology at around the same starting point; though technically it's technology they're mainly interested in as there are more niches technology can fill in invention over cuisine, those roots still exist in a passion for well crafted delicacies packed with more nutrients per square inch to make smaller meals worth the same as a feeding frenzy.

[plutoswritingplanet]

Nothing makes you feel as alive, as writing four pages worth of a jacking off scene, truly.

[enbysiriusblack]

i'm in spoons rn so here's what i think the marauders would get in spoons:

james- pint of guinness and mediterranean salad

sirius- ginger ale and bbq chicken pizza

peter- bud light and beef burger

remus- he likes to get a bang for his buck or whatever the saying is. so he does the refill tea/coffee. and sirloin steak

lily- she also likes to get a bang for her buck so does the refill tea/coffee with remus and just shares the mug. unless james or sirius are paying, in which she'd get a stella artois. and ham, egg, and chips

marlene- it's a newer item so obviously they didn't have it in the 70s, but the violet gin with lemonade is so her. and a bbq burger

mary- a pitcher of the purple rain cocktail and pasta alfredo

emmeline- espresso martini and a small plates, she'd get halloumi-style fries, wings, and garlic bread for everyone to share

dorcas- bulmers cider and a cod and chips

[7roaches]

perfectly normal simom posting