Markets are buzzing again.
The Sensex has jumped over 6,000 points from April’s low, and as expected, investors are wondering…
”Have the markets gone up too fast”
“Should I stop my SIP and book profits?”
MY ANSWER IS A LOUD AND CLEAR
ABSOLUTELY NOT!
There are also many investors who have started sip couple of years back and the sharp fall has left them rattled and the recent upmove has helped them only marginally with sips still in negative.
They too have a similar question (in albeit different context)
“Should I stop my SIP and book profits?”
MY ANSWER FOR THEM ALSO IS A VERY CLEAR AND LOUD
ABSOLUTELY NOT!
SIP is Like a Mango Tree 🍋
You don’t dig up a mango tree every few months to check if fruits are growing, right?
Because you know the roots are working silently beneath the surface.
You know it takes time.
SIPs work the same way.
They need time, patience, and nurturing.
Keep disturbing the process and you’ll never get to enjoy the fruits of your investment.
Imagine you’re buying mangoes every month for Rs 100 per kg. One day, the price drops to Rs 50 per kg. Would you stop purchasing or buy more? Exactly. So why stop your SIP when markets are cheaper?
Volatility will return — maybe sooner than you expect.
Stopping your SIP now is like jumping out of the train just because it slowed down near a station.
Instead of reacting emotionally to every market movement,
ask yourself:
“Are my financial goals still 5 years or more away?”
If yes — Stay. Invested. Period.
SIP = Shock Absorber for Market Volatility 🚗
SIPs are your financial seatbelt.
They protect you during market jerks by averaging out your cost and ensuring you buy more units when prices are low.
In fact, what looks like a market “high” today could look like a bargain 3 years from now.
That’s how long-term investing works.
Stay Focused on Your Financial Goals
Remember: Investments must align with your goals and time horizons.
- For long-term goals (5 years or more), equities and equity mutual funds should remain your best friends.
- For short or medium-term needs, consider debt funds or hybrid funds instead.
📌 Important: SIPs (Systematic Investment Plans) and STPs (Systematic Transfer Plans) are designed to handle market ups and downs.
What seems like a “high” today could be a “bargain” a few years from now.
80% of people drop out of gyms within the first year.
Is it the gym’s fault? Or the trainers?
No.
It’s a discipline issue, not a system issue.
Same goes for SIPs.
Investors often stop their SIPs or redeem funds too early — and then blame the advisor or AMC.
- Mutual Fund Distributors (MFDs) and AMCs are like fitness coaches:
They want you to stay invested and reach your goals.
But if investors quit early, they miss out — not the funds or the markets.
In the gym, you don’t expect to build a six-pack in 3 months. - In SIPs, you don’t expect to double your money overnight.
- Both require discipline, patience, and staying the course through ups and downs.
When markets dip, SIPs actually help you buy more units at lower NAVs.
This means your investments are better positioned for future growth.
Remember, wealth creation, like fitness, is a game of consistency and emotional control. Those who stay the course are the ones who win.
Where’s the Opportunity? 🔭
Experts believe that sectors like:
- Mass Consumption
- Rural-focused businesses
- Domestic Pharma
will perform well going into FY26.
But you need to be invested to benefit from it.
Don’t be on the sidelines when the game gets exciting.
In Short:
· ✅ SIP is not meant to be stopped when markets are high.
✅ SIP is not meant to be stopped when markets are low.
· ✅SIP is meant to be continued no matter what.
- ✅Stay true to your goals, and the market will reward you in time.
- ✅Consistency > Emotion.
👉 Stick to your plan.
👉 Trust the process.
👉 Wealth creation, like fitness, is a long journey — not a quick sprint.
If you found this post helpful, share it with a friend or client who’s getting emotional about their SIPs.
Let’s keep spreading the message of wealth with patience.
#SIP #StayInvested #MutualFunds #SrikanthMatrubai #GrowthSeekers #FinancialFreedom #WealthCreation #InvestSmart #EmotionalDiscipline
All the best,
Regards,
Srikanth Matrubai
https://t.me/joinchat/AAAAAELl4KUnaJzi-JJlDg/
