Market Crashing? Why Stopping SIP Costs You ₹4
When markets fall, most investors panic and stop SIPs or sell funds. But history shows this is the worst move. Staying put — or even buying more — is what builds real wealth over time.
Skipping SIP during a crash is like skipping chai when prices rise — you lose the habit and the benefit.
Panic-sold during market crashes — and missed the recovery gains
Key Takeaways
Do NOT pause your SIP — every ₹1,000 invested at a lower NAV buys more units and boosts future returns.
Review your asset allocation: if market dips are causing panic, you may be over-exposed to equity for your risk appetite.
Set a calendar reminder every 6 months to rebalance — not every time a news headline scares you.
When markets fall, most investors panic and stop SIPs or sell funds. But history shows this is the worst move. Staying put — or even buying more — is what builds real wealth over time.
Here's what happened: Indian equity markets have seen sharp swings in 2024–25, triggering fear-based selling among retail mutual fund investors.. SIP stoppage rates historically spike during market corrections, causing investors to lock in losses and miss the recovery.. Long-term data from AMFI shows equity mutual funds deliver 12–14% CAGR over 10+ years — but only if you stay invested..
What you should do: Do NOT pause your SIP — every ₹1,000 invested at a lower NAV buys more units and boosts future returns.. Review your asset allocation: if market dips are causing panic, you may be over-exposed to equity for your risk appetite.. Set a calendar reminder every 6 months to rebalance — not every time a news headline scares you..
Pro tip: A ₹5,000/month SIP paused for just 12 months during a crash can cost you ₹3–4 lakh in corpus over a 15-year horizon due to lost compounding on cheap units.
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