Mutual Fund Strategies: Comparing SIPs, STPs and FIFO in a High-Interest Environment

In a high‑interest environment, mutual fund investors increasingly rely on structured approaches such as the FIFO method, systematic investment plans and systematic transfer plans to manage risk and taxes. These methods influence how money is deployed, shifted between funds and eventually withdrawn, shaping long‑term outcomes and helping reduce emotional decision‑making. Choosing and combining these strategies according to holding period, risk tolerance and cash‑flow needs can significantly affect taxation, volatility and portfolio growth over time.