A. The concept of systematic investing is not related with age. Whatever your age is, if you have savings and want to invest them wisely, the systematic investment plan (SIP) is relevant. An SIP helps in multiple ways. It helps inculcate discipline by committing you to a monthly investment, which you may have otherwise neglected. Secondly, when you are investing in a category such as equity, where markets fluctuate a lot (volatile), the SIP ensures that you are investing over extended periods of time, through all market cycles, and hence buying at all levels of the market – high, low and in-between. This results in what is called averaging of cost, and makes you the eventual winner. You can initiate an SIP in debt, equity or hybrid (a mix of the two).