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There are many people who are still stuck with the traditional savings and investment plans. They draw their investment inspiration from their family members such as father and grandfather. Though they are well-read, they carry lot of fear at the time of taking investment decisions. A lot of people pick up the habit of the elders in their family and start investing in recurring deposits. In many cases colleagues and friends start arguing with each other in a quest to decide what is the best investment plan in the market. The biggest question of the hour is why SIPs and not RD.