New Delhi, May 9 -- How to fund a Europe trip-SIPs or credit cards?- Here's what AI answered, it seemed practical.

I'm planning a Europe trip over the next 12 months with a budget of around Rs.3 lakh, but I'm unsure about the best way to fund it. Should I start investing through SIPs now and use the accumulated savings for the trip, or rely on credit cards to take advantage of offers and discounts and then repay the amount through my one-time bonus which aligns with the credit card billing cycle? Which option would be more cost-efficient?

SIPs are safer and more predictable for a 12-month goal; credit cards are only cost-efficient if you're 100% certain you'll repay in full on time.

If you invest monthly through SIP for the next 12 mon...