The answer is not to stop SIP. The answer is to hold a portfolio that does not feel unbearable during a crash.
A 100% equity portfolio absorbs the full Nifty drawdown. A multi-asset portfolio — Indian equity alongside gold and global exposure — behaves differently. When equity falls sharply, gold and silver have historically cushioned the decline, reducing overall portfolio volatility and making it easier to stay invested. When risk is extreme, a cash call protects what is left.
Use Focus360 Velocity. It rebalances monthly — the gold, silver, and cash allocation adjusts quickly as risk conditions change, so the hedge is live when you need it, not three months late. This is the portfolio for investors who want to stay invested through the full cycle without carrying the full weight of the drawdown.