Stay Calm, Stay Invested ! SIPs win in the Long Run - Mr. Koushik Ketharam, Founder, www.intelli360.in

Stay Calm, Stay Invested !

SIPs win in the Long Run

Mr. Koushik Ketharam, Founder, www.intelli360.in

 

If the recent market movements have made you feel a little uneasy, you’re not alone. Volatility tends to stir emotions — excitement, concern, even confusion. But for the disciplined investor, volatility is not a foe. It is a friend in disguise.

 

One of the greatest tools to take advantage of market ups and downs is the humble but powerful Systematic Investment Plan — the SIP.

 

🌀 Volatility Isn’t the Enemy — It’s the Opportunity:

When markets go through corrections or swings — due to global uncertainties, domestic elections, or temporary macro headwinds — most  investors instinctively feel the urge to "wait and watch." But history tells a different story.

 

Volatility is not new. Markets have seen it before and will see it again.

 

The key is not to avoid it, but to use it wisely. And that’s where SIPs shine.

 

🧮 The Power of Cost Averaging:

Let’s say you are committed to a monthly SIP, when the market dips, your

SIP buys more units. When the market rises, it buys fewer. This mechanism — called rupee cost averaging — helps smoothen the average purchase price of your investment over time.

 

You don’t have to worry about timing the market. You stay invested through all cycles — ups and downs — and over time, the power of compounding and cost averaging takes care of your wealth creation journey.

 

📊 Historical Proof — SIPs Win in the Long Run

Over the past 15–20 years, Indian equity markets have seen global crises, local political changes, inflation spikes, pandemics, and more. And yet, long-term SIP investors have not just survived — they’ve thrived.

Consider this: If you had started an SIP in a diversified equity fund in 2008 — during the peak of the global financial crisis — and continued it without pause, your returns today would look phenomenal. Why? Because you bought more units when the market was down. See the table below (Data as on 2 April 2025 : Source - Valueresearchonline.com)

 

Volatility worked for you…isn’t it ?

 

While SIP is a strategy, your choice of sectors and themes matters too. So where should you focus now?

 

💡 Key Takeaways:

Don’t pause SIPs during market dips — that’s when they do the heaviest lifting.

 

As your financial guide, my sincere recommendation is : “Stick with your SIPs. Add more if you can during corrections. Stay aligned to India’s growth themes. And let time and discipline do the magic”

 

If you’d like a review of your current SIP portfolio or want to explore top-performing funds in the banking and consumption segments, feel free to get in touch with our team. We’re here to walk the journey with you.

 

Stay wise. Stay invested.

 

For more details and invest

Mr. Koushik Ketharam, Founder, www.intelli360.in

AMFI Registered Mutual Fund Distributor

www.intelli360.in

assist@intelli360.in

Intelli360 Asset Private Limited

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Disclaimer: Mutual Fund investments are subject to market risks, read all scheme related documents carefully. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes.