In a time when retail investors are increasingly turning to Systematic Investment Plans (SIPs) for wealth creation, Sumufa's Strategic Fund Selection approach is proving its merit with clear outperformance over many widely followed mutual fund practices.

An analysis of ₹5,000 monthly SIP in small-cap mutual funds over the past five years - starting from August 13, 2020 - reveals that Sumufa's approach has delivered a value of ₹5,76,053. This places it well above the average return of ₹5,49,825 from the 19 small cap funds studied, a list that includes established names such as SBI, ICICI, HDFC, and Kotak.

While a few individual funds like Bandhan (₹6,34,535), Invesco (₹6,00,794) and Quant (₹5,99,395) outperformed, the majority of funds delivered lower returns. In fact, 15 of the 19 funds studied fell below Sumufa's performance, with some delivering SIP values as low as ₹4,89,437 (Aditya Birla Sun Life).

The difference of ₹86,616 between Sumufa and the worst-performing fund clearly illustrates the cost of poor selection — a cost many long-term investors might unknowingly pay, despite staying disciplined with their SIPs.

These results demonstrate that not all SIPs are created equal, and simply investing consistently is no guarantee of optimal returns. While SIP as a mechanism encourages discipline, the fund chosen makes a significant difference in long-term wealth creation. Sumufa bridges this gap by applying a carefully created process to shortlist funds that show consistent performance and risk-managed growth potential.

Sumufa's consistent edge proves that strategic selection is not optional — it's essential. For investors looking to build serious long-term wealth, performance like this reinforces the need to go beyond routine investing and adopt a data-driven, actively curated approach.

As more data becomes available, the divergence between disciplined investing and informed investing is becoming too large to ignore.