THIS WEEK’S MYTH: “SIP only works when the market is going up.”
So many investors pause their SIP the moment markets dip. This belief is costing them lakhs in the long run.
THE TRUTH: A falling market is actually a SIP investor’s best friend. You buy more units for the same money.
 What people think |
 What actually works |
|---|---|
| Markets are down, I should pause my SIP and wait for them to recover. | Keep the SIP running. Dips = more units = bigger gains when markets recover. |
During the 2020 crash, Priya kept her ₹5,000 SIP running without blinking. Rahul panicked and paused his. By 2021, when markets recovered, Priya’s extra units bought at the bottom had quietly multiplied. Rahul resumed — but missed the best buying window of the decade.
What do you do when markets fall?
- Keep SIP running
- Pause and wait
- Increase my SIP
- Not sure honestly
Previously Busted: MF Myth Mondays - #1