• Akshatha Eva Sampson
• Bhavya Krishna Naik

The systematic investment plan (SIP) is increasingly recognized as a valuable financial management tool for individuals seeking structured and disciplined investment options, including educators. This paper explores the potential of SIPs to serve as a reliable and accessible investment strategy tailored to the financial needs and constraints of educators. Given the stable, fixed-income nature of the education profession, SIPs offer educators a feasible path for long-term wealth creation through small, regular investments. The study reviews key benefits of SIPs, including risk mitigation through rupee cost averaging, compounding benefits, and flexibility in fund selection, allowing educators to align investments with their financial goals. Despite these advantages, challenges such as limited financial literacy, low disposable income, and liquidity concerns restrict the effectiveness of SIPs among educators. This paper also examines the need for targeted financial literacy programs, policy incentives, and customized SIP products to better support educators in achieving financial security. The findings suggest that with appropriate guidance and support, SIPs can empower educators to secure their financial future and enhance their economic stability, thus enabling them to focus on their professional commitments with greater peace of mind.

Systematic Investment Plan, SIP, Financial Management, Teachers, Personal Finance, Mutual Funds, Wealth Creation, Investment Planning

"“Systematic Investment Plan: A Financial Management Tool for Educators”", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.11, Issue 11, page no.b412-b418, November-2024, Available :http://www.jetir.org/papers/JETIR2411152.pdf

"“Systematic Investment Plan: A Financial Management Tool for Educators”", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.11, Issue 11, page no. ppb412-b418, November-2024, Available at : http://www.jetir.org/papers/JETIR2411152.pdf