New Delhi, Sept. 13 -- A systematic investment plan (SIP) allows individuals to invest a fixed amount in mutual funds at regular intervals. However, just because you are putting money in one or multiple funds every month does not mean your investments will deliver the desired results after a certain period.

The choice of fund, investment discipline and alignment with financial goals can all influence outcomes. For investors who feel their SIP is not working as expected, the issue may not be the investment route itself but how it is being used. Here are some reasons that could be affecting your mutual fund returns.

An investor's allocation in mutual funds or any other financial asset should be based on their risk capacity, investment hor...