Answer Book question
No. if the fund is right and the money is long-term. A fall is when each instalment buys more units. Stopping at the bottom is the most common way people turn a paper loss into a real one. The only good reasons to stop are a change in your own situation, not in the market.
No. if the fund is right and the money is long-term. A fall is when each instalment buys more units. Stopping at the bottom is the most common way people turn a paper loss into a real one. The only good reasons to stop are a change in your own situation, not in the market.
In a sharp market fall, a man in Kochi pauses his ₹15,000 SIP "until things settle." The market recovers over the following year. He restarts at higher prices having missed the cheapest instalments of the decade.
Rupee-cost averaging works because of falls. Continuing through them is the entire point.
Has anything changed about your income, goals or reserve? Is the fund itself still appropriate? Can you afford the instalment without touching the reserve?
Confusing a market fall with a personal emergency. The former is a reason to continue; only the latter is a reason to pause.
Market fear spreads fast in WhatsApp groups. Decide your rule in a calm month and follow it in the loud one.
SIP ₹10,000. NAV ₹100 → 100 units. Market falls; NAV ₹70 → 143 units for the same money. Recovery to ₹100 makes those 143 units worth ₹14,300.
If you lost your job, pause the SIP and protect the reserve. That is a personal reason and it is valid.
Write your rule: "I continue SIPs through falls unless my income changes" Keep a reserve so you never have to break it
Does SIP guarantee profit? My mutual fund is down 15%. What should I actually look at?
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