Script: The Dark Side of SIPs
(Complete 25-Minute Hindi-English Mixed Script)
[0:00 – 1:30] Opening Hook
[Background suspenseful music]
Host (serious tone, slow speech): "Agar aap soch rahe ho ki sirf SIP karne se aap ameer ban
jaoge... toh aaj ka video specially aapke liye hai." "Har jagah suna hoga — SIP safe hai, SIP best
hai... Lekin kya koi aapko iska dark side batata hai?"
(Pause for 2 seconds)
"Aaj hum baat karenge un sachchaiyon ki jo aapko koi nahi batata. Aur believe me... ye jaana
zaruri hai, warna paise kaafi regret ke sath doob sakte hain."
[Show Title card: “The Dark Side of SIP - सच जो छु पाया गया”]
[1:30 – 4:00] Part 1: SIP Kya Hota Hai?
[Casual, calm tone]
Host: "Chaliye basics se start karte hain... SIP, yaani Systematic Investment Plan. Yeh ek process
hai jisme hum fixed amount regularly, jaise har mahine, invest karte hain kisi mutual fund mein."
"Jaise EMI bharte ho waise... yeh aapke future ke liye investment EMI hai."
"Simple lagta hai na? Regular invest karo, paisa grow hoga... Bas yahin galti hoti hai — SIP
karna easy hai, par sahi SIP karna aur patience rakhna tough hai."
[4:00 – 7:00] Part 2: Myth #1 – SIP Always Gives High Returns
Host: "Aksar suna hoga — 'Bhai 12% ka average milta hai, SIP karo, safe hai.' But reality mein...
koi guarantee nahi hoti."
"Market jab achha perform karta hai tab return high dikhta hai, lekin jab market girta hai... aapke
returns bhi girte hain."
[Example:] "Agar 2008 financial crisis ke just pehle kisi ne SIP start kiya hota... toh unko 3-5
saal tak returns negative mile hote."
[Show graph of market crash]
Host: "Toh SIP mein bhi market risk pura-pura hota hai. Ye samajhna zaroori hai."
[7:00 – 10:00] Part 3: Myth #2 – SIP Mein Loss Nahi Hota
Host: "Ab doosra bada jhoot — 'SIP mein loss nahi hota'. Bhai, hota hai!"
"Agar aapne galat fund chun liya, jaise koi bohot high-risk ya poorly managed fund... toh aapka
principal amount bhi kam ho sakta hai."
[Example:] "Ek fund tha 2017 mein famous, but 2020 ke baad uska NAV half ho gaya tha. Jo log
SIP karte rahe, unko heavy losses hue."
"Toh fund selection aur monitoring SIP mein utna hi important hai jitna investment karna."
[10:00 – 13:00] Part 4: Timing Matters
Host: "Yeh bhi kaha jaata hai ki 'time in the market' is better than 'timing the market'. Sahi hai.
Lekin ek baat sochiye — agar aapne bull market ke top pe SIP start kiya, aur market crash kar
gaya... toh aapko recovery ka wait karna padega."
"Aur kai baar recovery mein 5-7 saal lag sakte hain."
[Show a graph: SIP started in 2007 vs SIP started in 2009]
"Toh SIP karte waqt bhi thoda smart hona zaruri hai. Blindly SIP mat shuru karo jab market sky-
high ho."
[13:00 – 16:00] Part 5: Emotional Fatigue and SIP Dropouts
Host: "Financial journey ek emotional journey bhi hai."
"Jab aap 2-3 saal tak apni SIP statement mein minus dekhte ho... frustration hota hai."
"Aur isi wajah se 60% log apni SIP beach mein hi bandh kar dete hain!"
[Act out someone checking SIP report, getting frustrated]
"Yahi biggest reason hai ki majority log market mein paise nahi bana paate — patience aur
discipline ka loss."
[16:00 – 18:30] Part 6: Hidden Costs in SIP
Host: "Ab ek aisi baat jo shayad aapko financial advisor bhi open mein nahi batayenge —
charges."
"Mutual fund mein ek expense ratio hota hai. Jaise 2% ka expense ratio ka matlab hai — har saal
aapke returns mein se 2% directly cut ho jayega."
[Show visual of ₹10 lakh portfolio losing ₹20,000 annually]
"Aur kuch funds mein exit load bhi hota hai — early withdrawal pe penalty lagti hai."
"Isliye low-cost index funds ya passive funds mein invest karna better hota hai — jahan expense
ratio 0.1%-0.3% hota hai."
[18:30 – 21:00] Part 7: SIP is Not for Short-Term Goals
Host: "Ye ek aur bada misconception hai — SIP har goal ke liye fit hai. Bilkul nahi!"
"Agar aapko 2-3 saal mein shaadi, car ya ghar ka down payment karna hai... toh equity SIP is
NOT suitable."
[Show example: Goal – Buy a car in 2 years → invest in Debt fund, not Equity SIP]
"Short term ke liye Fixed Deposits, Debt Funds, ya Recurring Deposits zyada safe options hain."
[21:00 – 23:00] Part 8: The Correct Mindset for SIP
Host (motivational tone): "Sahi mindset simple hai — invest with patience, expect volatility, aur
kabhi bhi unrealistic expectations mat rakho."
"Agar aap 8-10% ka realistic long-term return target leke chalte ho... toh disappointment nahi
hoga."
"Aur yaad rakhiye — compounding ko kaam karne mein time lagta hai."
[Show Einstein quote: "Compound interest is the 8th wonder of the world."]
[23:00 – 25:00] Ending & Strong Call-to-Action
Host (smiling but serious): "Toh doston, SIP ek bohot powerful tool hai — par jaadu nahi hai."
"Sahi fund choose karo, patience rakho, aur discipline ke saath invest karo. Tab jaake aap apna
financial freedom ka sapna pura kar sakte ho."
Host (with energy): "Agar aapko ye video informative laga... toh like zaroor karein, apne doston
ke saath share karein, aur channel ko subscribe karna bilkul mat bhoolna!"
"Aur comment karke bataye — kya aap SIP karte hain? Aur kya aapne kabhi apne portfolio mein
loss dekha hai?"
[End screen: Subscribe | Watch Next | Like buttons]
[Background music fades out smoothly]
(Script End)
Important:
Speak naturally and slowly.
Pause for 1-2 seconds after every important point — it helps the viewer absorb.
Use hand gestures to look natural and confident on camera.
