When markets feel rough, pausing your SIP feels like the safe move — but it's actually the costliest one.
Here's the simple reason: when prices fall, your ₹5,000 SIP automatically buys more units than it would on a normal month. When prices rise, it buys fewer. Over time, this quietly lowers the average price you pay per unit — and that's what builds long-term wealth. Most 10-year SIP periods in Indian markets have delivered 10–12% annualised returns, regardless of when they started.
What this means for you
- If your SIP is 3 years or older, a rough patch now is adding cheaper units to your portfolio — that's a good thing, not a bad one.
- Pausing even 4 months means missing roughly ₹20,000 worth of low-price unit purchases — and those are the ones that compound the most over your remaining years.
- A ₹5,000/month SIP running for 10 years at 12% annual returns could grow to around ₹11.5 lakh — stopping early shrinks that number significantly.
What you can do
- Open your mutual fund app today and confirm your SIP is active — do not pause it, even if your portfolio looks red right now.
- If you have spare cash sitting idle, this is actually a decent time to add a one-time top-up to your existing mutual fund and grab more units at lower prices.
The best thing you can do for your future self today is simply let your SIP run. Nothing complicated — just don't stop it.
Grow with clarity 🌱