“When I first started investing, I believed adding more SIPs meant I was building a smarter and more diversified portfolio. But over time, my investments started feeling complicated, repetitive, and honestly a bit confusing to manage”.
Even, When I started investing, I didn’t have a clear plan. I just had this feeling that I should be “doing more.” So I started with one SIP.
After a few months, I added another. Then another. Each time I did that, I felt like I was improving something. Like I was getting smarter with money. I never really asked myself why I was adding them. It just felt like the right thing to do.
At some point, it started feeling messy,It didn’t happen suddenly.
But after a while, I opened my portfolio and just sat there thinking:
“What exactly is going on here?”
Complete Guide to Mutual Funds in India (2026): A Simple Guide for Beginners — Click here to read
I had multiple mutual funds running:
Yes those funds have different names, different categories, different return percentages, But I couldn’t explain any of them properly. actually I didn’t know which one was doing the heavy lifting, which one was just sitting there or even why I picked some of them.
That’s when it first hit me — I wasn’t investing with clarity. I was just adding things.
I thought I was diversifying… but I wasn’t. This part honestly surprised me. Out of curiosity, I once checked what my funds actually held. Not just their returns… but their portfolios. And I started seeing the same companies again and again. Same names. Same sectors. Just packaged differently. That was a weird moment. Because in my head, I had “multiple investments.” But in reality, I was repeating the same idea in different forms.
The Truth, we all will not agree :-
Adding more SIPs didn’t make my portfolio stronger. It just made it harder to understand. And when something is hard to understand, you slowly stop paying attention to it. That’s exactly what happened to me. I stopped tracking properly.
Stopped questioning anything.
Everything became:
“It’s fine… it’s long term.” Looking back, that sentence was doing a lot of work for me.
Something I didn’t realize early, when you spread your money across too many funds, something subtle happens.
Say you have ₹10,000 split across 8 funds. One of them — maybe your flexi cap — is genuinely doing well, giving 16-17% returns. But since you only put ₹1,250 into it, that strong performance barely moves your overall portfolio. Meanwhile, the other 7 funds are giving you 10-11%, and they’re holding most of your money. So what do you end up with? Somewhere around 11%. Not bad. But not what that one good fund could have done for you if you’d actually trusted it with more.
Why I kept adding SIPs (honest reason)
It wasn’t strategy. It was comfort. Starting a new SIP feels easier than making a decision on an old one.
Honestly, every time I wasn’t sure about a fund, I’d just start a new one instead of dealing with the old one. It felt easier. It felt like progress. But it was just avoidance.
When things started making sense, Nothing dramatic changed. I didn’t remove everything or rebuild from scratch. I just slowed down.
Instead of asking:
“What should I add next?”
I started asking:
“Why do I already have this?”
That question alone was enough.
Some funds suddenly felt unnecessary. Some made sense. Some I didn’t even remember why I chose them and slowly… things became clearer.
What I understand now (in a simple way)
Honestly, what I understand now is embarrassingly simple — but I had to learn it the hard way. More SIPs don’t make you a smarter investor. More funds don’t automatically protect you. I used to think doing more meant I was being responsible with money. But responsibility in investing isn’t about how many funds you hold. It’s about whether you actually understand what you’re holding and why.
Now when I look at my portfolio, I ask three things — do I know what this fund does, do I remember why I added it, and does it still make sense for where I am today. If I can’t answer all three, that fund needs attention. It sounds obvious when I write it out like this. But when I started, nobody told me this. I was just trying to do more, thinking more meant better. It doesn’t.
If someone asked me now
“How many SIPs should I have?”
I honestly wouldn’t give a number.
I’d just say:
“Have as many as you can actually understand and manage.” That’s it. Because beyond that, it becomes noise.
Final thought :-
For a long time, I believed growth comes from adding more. But in investing, it was the opposite. Things started improving when I stopped adding blindly and started paying attention.
One line I wish I understood earlier :-
I still have more sip’s which is invested every month. There is nothing bad in it the only thing is now i can point is, now i can explain why i have invested in this fund.
Author :-
My self Livin Rangasamy an Engineer turned finance guy, I am AMFI & NISM certified mutual fund Distributor. who is now teaching people how to handle their money from this blog, It is always not about money from this website.
For more similar posts :- Click Here
