New Delhi, Nov. 10 -- Starting Systematic Investment Plans (SIPs) at the top of a market cycle can lead to higher absolute wealth creation in rupee terms compared to SIPs that begin at the bottom, even though percentage returns may be marginally higher for the latter, according to a report by WhiteOak Capital.

The report highlighted that while SIPs started at the bottom of a market cycle tend to show slightly better percentage returns, the absolute gain or wealth creation in rupee terms is far higher for SIPs that begin at the top.

It stated "It is interesting to note that while the % return is marginally higher for SIPs started at the bottom of the market cycle, the absolute gain in rupee term (Wealth Creation) is far higher for SIPs t...