We Offer Investment Planning. A systematic investment plan (SIP) is a plan where investors make regular, equal payments into a mutual fund, trading account or retirement account, such as a 401(k), and benefit from the long-term advantages of dollar-cost averaging (DCA) and the convenience of saving regularly without taking any actions except the initial setup of the SIP. Because dollar-cost averaging involves buying a fixed-dollar amount of a security regardless of its price, shares are bought at various prices, the average cost per share of the security decreases over time and the risk of investing a large amount of money into a security lessens.