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...
Post a Comment

About

 Welcome to Global Thrive! 🌍📈

Hey there! I’m Shruti — a finance enthusiast, content creator, and someone who’s on a journey to grow wealth from scratch. I started Global Thrive to simplify investing, personal finance, and smart money habits for Gen Z and beginner investors.

Here’s what you’ll find on this blog:

  • 💰 Simple guides on how to start investing

  • 📊 Tips on index funds, ETFs, and apps

  • 🧠 Real talk about money mindset, FIRE, and first-gen financial growth

Whether you're earning your first salary or planning long-term wealth, this blog is for you. No jargon, no fluff — just real, practical money talk.

I’m not a financial advisor — I’m a learner like you, sharing what works, what doesn’t, and how we can all thrive financially 💡

Thanks for being here!

Comments

Post a Comment

Popular posts from this blog

🌍 How to Start Investing in 2025 (Beginner’s Global Guide to investing)

Image
  💸 Turn ₹500 or $10 into Wealth—No Suit, No Stress, No Excuses. 🧠 Still Think Investing is Just for Rich Guys in Suits? Let’s smash that myth-for good In 2025, you don’t need a fancy finance degree, a six-figure salary, or a Wall Street jargon. All you need is a working internet connection or Wi-Fi, ₹500 or $10, and this blog. Whether  you’re scrolling instagram during your chai break(tea) in India, chilling in Toronto, or commuting in London— you can start investing and not just for the sake of it — but to actually build real, long-term wealth that gives you options in life. 🌱 1. What Even Is Investing? (The Lazy Friend’s Explanation) Saving = Storing money. Investing = Growing money. Think of investing like planting a seed. You water it, wait, and—voilà—a tree that gives you shade and fruit. That’s what stocks, ETFs, and index funds do. You plant once, and over time—your money grows, multiplies, and works for you. ⚡ 2. Why Start Now? (Even if You're Br...
Read more

Index Funds vs ETFs in 2025: Which One Should You Choose as a Beginner?

Image
Introduction I still remember the day I put ₹10,000 into my first index fund. It was 2016, I was fresh out of college, clueless about investing, and terrified I'd lose it all. I didn’t know how stocks worked or what NAV meant—I just knew I had to start somewhere . I chose the Nifty 50 Index Fund—mainly because someone on YouTube said it was “safe” and “simple.” I forgot about it. No tracking, no trading, nothing. Just ₹10,000 sitting in a fund. Fast forward to 2025—when I checked the value last month, it had grown to nearly ₹29,000 . That’s almost 3x growth in 10 years , without me lifting a finger. No picking up stock. No stress. Just time, patience, and the magic of compounding. In the US, the story’s just as powerful. A $1,000 investment in VOO (S&P 500 ETF) in 2015 would be worth around $2,700+ today—again, without any active management. That’s the power of index investing . Whether you choose an index fund or an ETF, the real win is just getting started—and sta...
Read more

Can You FIRE in India? What We Can Learn From the US Movement

Image
I’m not lazy — I just don’t want to work 9–5 until I’m 60 to finally start living. Sound familiar? If you’ve ever stared at your screen mid-shift wondering, “Is this really it for the next 40 years?” — Welcome to the club. We're the side-hustle generation. The mentally drained but still hustling generation. chasing freedom over burnout. We don’t just want to survive our 30s — we want to own them. That’s where FIRE comes in — Financial Independence, Retire Early — a movement that’s part personal finance, part rebellion, and totally possible (yes, even in India, even in rupees).  What Is FIRE , Really? You’ve probably seen people throwing around the term “FIRE” like it’s some kind of a  secret club. It stands for Financial Independence, Retire Early — but it’s not just about quitting your job at 40 to sip coconuts on a beach. At its core, FIRE is about freedom . Freedom to choose how you spend your time. Freedom to walk away from a toxic workplace....
Read more