Meet Rahul. He’s been following the stock market for years and is bullish on a few stocks and ETFs he believes in. However, he’s unsure when to buy—should he wait for the right time or invest now? The market always fluctuates, and timing it perfectly seems impossible.
Rahul has a set budget of ₹5000 a month and wants to spread out his investments without worrying about market timing.
With Stock SIP, Rahul can invest regularly in the stocks and ETFs he’s confident in. This approach helps him benefit from rupee cost averaging, smoothing out market volatility.
For Rahul, and many like him, Stock SIPs offer a simple, disciplined way to invest and build wealth over time.
What is the Stock SIP feature?
The Stock SIP feature on Upstox allows you to invest regularly in your favorite stocks, with the option to choose weekly or monthly payments. You can add up to 20 stocks to your portfolio and automate your payments, so you don’t have to worry about adding funds manually. This helps you build your portfolio steadily and consistently over time. Also, it offers flexible management—easily modify or pause your Stock SIP whenever you need.
Why is this feature important?
It allows you to invest in stocks without having to time the market and is a great option for investors who want to take advantage of the power of rupee cost averaging and diversification, while avoiding the emotional ups and downs of the stock market. By staying consistent and disciplined with your investments, it makes building wealth over time much easier.
Let’s understand this with an example!
Imagine you invested ₹1,000 every month in ITC over the past 3 years, starting on January 3rd, 2022, when the stock price was ₹207.27, and continuing until January 1st, 2025, when the price had risen to ₹483.95.
Throughout this period, your average purchase price would have been a mix of lower prices and higher prices. This means you bought more units when prices were low and fewer when they were high, which helped balance out the impact of price fluctuations and benefit you from rupee cost averaging.
Starting your SIP now, especially during a market correction, gives you the opportunity to invest at lower prices and potentially benefit from future price increases. This strategy helps smooth out short-term volatility and sets you up for steady, long-term growth.
Who is this feature for?
It is designed for anyone who wants to invest in individual stocks in a simple, organized way—whether you’re new to investing or already have some experience.
This feature is perfect for:
- Beginners who want to start small and invest regularly in stocks or ETFs.
- long-term investors who want to invest regularly in stocks they believe in, without the hassle of picking individual stocks all the time.
- Experienced investors who want to automate their stock investments and reduce the effort of managing multiple trades.
How does this feature help you become a smart investor and build wealth?
By investing in stocks through an SIP, you eliminate the risk of trying to time the market. Over the years, it has been proven that time in the market is a more effective strategy than timing the market. Here is the major difference between these two:
| Time in the Market | Timing the Market |
|---|---|
| Long-term focus – Stay invested for steady growth. | Short-term focus – Aims to buy low and sell high. |
| Consistent returns – Benefits from rupee cost averaging | Risk of missed opportunities – Missing key rallies or bottom-buying opportunities. for e.g: the challenge of timing the bottom during the COVID-19 crash. |
| Smoother volatility – The longer you stay invested, the less you’re affected by market fluctuations. | Stressful and uncertain –Investors often struggle with the belief that it’s never the right time to buy - either “too high” or waiting for a pullback, yet predicting market movements and timing them perfectly is extremely difficult. |
Why wait? Start your Stock SIP today and begin investing regularly in the stocks you believe in. With rupee cost averaging, you’ll build wealth steadily over time, without the stress of timing the market. Experience the flexibility, control, and automation to stay disciplined and work towards your financial goals.
To learn more about how to get started, check out our post here.