Middle-class families are focusing more on SIPs, insurance cover, emergency funds and long-term planning to manage rising expenses. Experts note that regular investing, reduced debt dependence and disciplined budgeting are becoming standard habits. Younger earners are starting SIPs earlier due to job uncertainty and inflation. These behavioural changes reflect growing awareness of structured financial planning. 

A Systematic Investment Plan allows investors to put in fixed amounts regularly instead of timing the market. SIPs average out market volatility and help build long-term wealth through disciplined investing. Returns depend on fund performance and investment duration. Investors should review risk profile, fund category and expense ratios before starting.