Step-Up SIP vs Flat SIP
Your SIP Is
Shrinking Every
Year You Keep It Flat
Rs 10000 a month sounds consistent. At 6% inflation it buys Rs 5584 of units in real terms by year ten. The green streak stays green. The real weight keeps falling.
The SIP was consistent. Its purchasing power was not.
A flat SIP that never steps up is a contribution that quietly shrinks. The discipline is real. The weight is not.