Rs 20k SIP in risky instrument with high return or Rs 27k SIP in less-risky option? The math of investing more vs chasing higher returns

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Chasing higher returns is a good aim to have. But it’s not as easy as it looks. Having a year or two of above-average returns is easy actually. But doing this consistently, year after year, via a repeatable process, is really difficult. Markets are uncertain and high returns are not available on demand.