iPhone 17 Pro vs SIP: A Costly Desire or a Smart Decision?
Apple’s brand-new iPhone 17 Pro Max, priced at around ₹1.5 lakh for the 256 GB variant, has once again reignited an old debate — should you spend or invest?
For many Apple fans, the purchase means monthly EMIs of around ₹4,200 for three years. But here’s the interesting part — what if that same amount was invested every month instead of being spent on a gadget that depreciates the moment you unbox it?
Investing ₹4,100 a Month Could Earn You ₹29,000 Profit
According to Trivesh D, COO at Tradejini, redirecting that expense into a Systematic Investment Plan (SIP) can offer surprisingly strong returns.
He further added, “If you go for a premium variant costing ₹2.3 lakh, and invest that instead, you could earn returns of roughly ₹45,000
“If someone invests ₹4,100 per month for three years, assuming a 12% annual return, the total amount could grow to about ₹1.76 lakh — a profit of nearly ₹29,000,” Trivesh explained.in the same period.”
‘Investments Deliver Long-Term Value’
While the iPhone delivers instant gratification, investments offer long-term stability and growth.
“Luxury gadgets lose value every year. But your investments compound and grow,” said Trivesh, highlighting that beginners can start with flexi-cap or multi-cap mutual funds that invest across large, mid, and small-cap companies for a balanced risk-reward approach.
He also suggested aggressive hybrid funds for those seeking a mix of equity and debt — stable yet growth-driven.
SIP or Smartphone — Which One Wins?
At the end of the day, it boils down to priorities. If the new phone boosts your productivity or helps in your career, it’s an investment in itself. But if your goal is long-term wealth creation, putting that money into SIPs or equities can pay off more meaningfully.
A simple rule to remember:
Phone = short-term excitement
SIP = long-term financial peace
So, before you swipe your card for that shiny new iPhone, take a moment to ask — what could this money become if I let it grow instead?
