Stock SIP vs. Mutual Fund SIP: Is Investing in Individual Stocks a Waste?

  A few months ago, I finally started earning on my own, and like many new professionals, I was excited to start investing. I began with a Systematic Investment Plan (SIP) in mutual funds—it felt smart, disciplined, and simple. Then, I decided to try a SIP in direct equity (individual stocks). It seemed like the next logical step. But a casual comment from a colleague stopped me in my tracks: “SIP in equity is a waste.” That sentence stuck with me. Is it really? I decided to dig deeper to clear up this common confusion, so you don't have to scratch your head like I did. 💡 Let’s Clear a Common Confusion: What SIP Really Is First things first: SIP is just a way of investing, not the investment itself. It means you invest a fixed, regular amount—usually monthly—instead of one large lump sum. You can apply this method to almost any asset, including mutual funds, direct stocks, or even gold. The real power of the SIP method comes from a concept called Rupee Cost Averaging (RCA) . In si...
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Surviving Financial Pressure in 2025: A First-Gen Investor’s Journey Through Uncertainty


2025 Feels Like a Storm — But I’m Still Investing in the U.S. Market. Here’s Why.


I was sipping chai on a tired Thursday night, endlessly scrolling through market news.

“Recession fears rise as U.S. elections near.”
“The dollar is weakening.”
“AI stocks are in a bubble.”

For a moment, I froze.

“Is this really the right time to invest in U.S. stocks?”

But then something shifted in me. I got curious. And what I find might just change how you look at 2025, too.

🌀 Chapter 1: When the Dollar Falls, Some Stocks Fly

People panic when they hear "weak dollar." But a falling dollar can be a blessing in disguise.

When the dollar weakens, U.S. goods become cheaper globally. And companies that sell worldwide see profits surge.

🔥 The "Global Giants" I'm Watching are:

  • Apple 🍏
  • Boeing ✈️
  • Procter & Gamble 🧴
  • Intel 🖥️
  • Caterpillar 🚜

I’m not betting on the dollar. I’m betting on global demand.

🗳️ Chapter 2: “Wait Till After the Election” is a Myth

Election fear is common. But historically, markets do well during U.S. election years:

  • 2004: +10%
  • 2012: +13%
  • 2020: +16%

Volatility spikes. But value stays.

I stick to index ETFs, invest regularly (DCA), and completely ignore noise.

🤖 Chapter 3: AI Is Not Coming — It’s Here

AI isn't hype anymore. It’s infrastructure. Just look at Nvidia’s $3T market cap.

💡 Top AI Stocks on My Radar:

  • Nvidia
  • Microsoft
  • Palantir
  • AMD
  • Meta

Prefer ETFs? Try BOTZ, ROBO, or IRBO.

Buy the builders, not just the buzz.

🌍 Chapter 4: Watching U.S. Markets from India


From India, I use Vested and INDmoney to invest in U.S. markets.

With a weaker dollar, election volatility, and AI boom, this is not the time to hide. It’s the time to step in.

“We don’t build wealth by waiting. We build it by starting — and staying.”

🏁 Final Thoughts

I’m not trying to time the market. I’m trying to break the silence that says, “Maybe not now.”

2025 isn’t something to run from — it’s something to step into.

🔖  Why I’m Still Investing in the U.S. in 2025:

  • ✅ Weak dollar = Strong global companies
  • ✅ Election year = Short-term drama, long-term gain
  • ✅ AI = The next internet
  • ✅ Diversification = Safety net

Fear doesn’t mean stop. Sometimes, it means to go.


Want to understand how Gen Z is approaching financial independence? Read my blog on FIRE — Financial Independence, Retire Early.

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