text: main toh soch rahi thi ki sips se invest karna chalu karun,kyunki wo long-term mein achha return dete hain, tumhara kya opinion hai is bare mein?haan, sips achha option hai, lekin mujhe thoda samay ke liye lock-in period se dar lagta hai, kya tumne kabhi kisi financial advisor se baat ki hai?