How to do SIP planning for short-term vs long-term goals

Introduction
Systematic Investment Plans (SIPs) have become a popular way for individuals to invest in mutual funds. SIPs contributed an average of close to Rs 30,000 crore each month in FY25-26, up from  average of Rs 16,000 per month in FY23-24. (Source: AMFI)
SIPs have become popular due to their simplicity. They allow you to contribute a fixed amount at regular intervals, helping to build wealth over time with discipline. However, simply investing through SIPs is not enough, aligning th