Should I stop my SIP now — what does historical data show?

TL;DRNo. Every Nifty correction since 2008 shows the same outcome — investors who paused SIPs during the fall and resumed after recovery earned significantly less than those who stayed invested. The math is direct: lower NAVs mean more units per rupee invested. Pausing SIP in a crash means voluntarily missing the cheapest units of the entire cycle. If the urge to stop feels strong, the issue is not SIP discipline — it is the volatility of the underlying portfolio.

Recommended Portfolio

Focus360 Ascend

Systematic rebuild for long-term investors low drawdown, multi-asset, quarterly rebalancing.

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 Ascend. It rebalances quarterly — positions get time to compound without unnecessary churn. This is the portfolio for investors who want to stay invested through the full cycle and let quality moves play out. Less action, more patience, better outcomes over time.