{"id":25646090,"date":"2026-05-08T15:47:24","date_gmt":"2026-05-08T10:17:24","guid":{"rendered":"https:\/\/entri.app\/blog\/?p=25646090"},"modified":"2026-05-08T15:47:24","modified_gmt":"2026-05-08T10:17:24","slug":"should-you-pause-your-sip-when-your-mutual-fund-portfolio-goes-down","status":"publish","type":"post","link":"https:\/\/entri.app\/blog\/should-you-pause-your-sip-when-your-mutual-fund-portfolio-goes-down\/","title":{"rendered":"Should You Pause Your Sip When Your Mutual Fund Portfolio Goes Down?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a04dcdaa85fd\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a04dcdaa85fd\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/entri.app\/blog\/should-you-pause-your-sip-when-your-mutual-fund-portfolio-goes-down\/#Key_Takeaways\" >Key Takeaways<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/entri.app\/blog\/should-you-pause-your-sip-when-your-mutual-fund-portfolio-goes-down\/#Introduction\" >Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/entri.app\/blog\/should-you-pause-your-sip-when-your-mutual-fund-portfolio-goes-down\/#Understanding_Why_Markets_Fall\" >Understanding Why Markets Fall<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/entri.app\/blog\/should-you-pause-your-sip-when-your-mutual-fund-portfolio-goes-down\/#The_Magic_of_Rupee_Cost_Averaging\" >The Magic of Rupee Cost Averaging<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/entri.app\/blog\/should-you-pause-your-sip-when-your-mutual-fund-portfolio-goes-down\/#The_High_Cost_of_%E2%80%9CWait_and_Watch%E2%80%9D\" >The High Cost of &#8220;Wait and Watch&#8221;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/entri.app\/blog\/should-you-pause-your-sip-when-your-mutual-fund-portfolio-goes-down\/#Why_%E2%80%9CShould_I_Stop_SIP_When_Market_is_Down%E2%80%9D_is_the_Wrong_Question\" >Why &#8220;Should I Stop SIP When Market is Down&#8221; is the Wrong Question<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/entri.app\/blog\/should-you-pause-your-sip-when-your-mutual-fund-portfolio-goes-down\/#Learning_from_the_Past_Indian_Market_Recoveries\" >Learning from the Past: Indian Market Recoveries<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/entri.app\/blog\/should-you-pause-your-sip-when-your-mutual-fund-portfolio-goes-down\/#How_to_Handle_the_Stress_of_a_Falling_Portfolio\" >How to Handle the Stress of a Falling Portfolio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/entri.app\/blog\/should-you-pause-your-sip-when-your-mutual-fund-portfolio-goes-down\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Key_Takeaways\"><\/span><b>Key Takeaways<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A falling market is a normal part of the economic cycle and not a reason to stop your investments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Continuing your SIP helps you to buy more units when prices are low, thus reducing your average purchase cost.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SIPs are designed for wealth creation over 5-10 years and short-term fluctuations should not dictate your strategy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stopping your SIP breaks the chain of compounding, thus significantly reducing your final maturity corpus.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Indian markets have historically recovered from every major crash and reached new highs as it happened in 2008 and 2020.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/course\/stock-market-course\/\" target=\"_blank\" rel=\"noopener\"><strong>Learn Stock Marketing with a Share Trading Expert! Explore Here!<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><b>Introduction<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">For the unknown, there is a common saying in the world of investing: &#8220;The stock market is the only place where people run out of the store when there is a sale.&#8221; For several Indian retail investors, seeing losses in their mutual fund portfolio can be a painful experience. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">In the month of March 2026 alone, the Indian stock market index Nifty fell 11.36% and it was the steepest decline since March 2020. When global tensions rise, or the Sensex and Nifty take a dip, the first question that pops into mind is: <\/span><b>should I stop SIP when the market is down?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">It is a natural human reaction to protect your hard-earned money. However, in the realm of Systematic Investment Plans (SIPs), what feels like a &#8220;safe&#8221; move can often be the most expensive mistake you make. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">This blog post explores why staying the course during a market downturn is the smartest financial decision you can make and how volatility is actually a &#8220;gift&#8221; for the disciplined SIP investor.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Understanding_Why_Markets_Fall\"><\/span><b>Understanding Why Markets Fall<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-25646110 \" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/2148803907.webp\" alt=\"Mutual Funds\" width=\"498\" height=\"332\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/2148803907.webp 1500w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/2148803907-300x200.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/2148803907-1024x683.webp 1024w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/2148803907-768x512.webp 768w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/2148803907-150x100.webp 150w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/2148803907-750x500.webp 750w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/2148803907-1140x760.webp 1140w\" sizes=\"auto, (max-width: 498px) 100vw, 498px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Before getting deep into the dilemma of whether to pause your investment, it is important to understand why portfolios go down. There are various factors influencing the market, including:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Macroeconomic Factors:<\/b><span style=\"font-weight: 400;\"> Changes in interest rates by the RBI, inflation figures, or GDP growth rates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Global Events:<\/b><span style=\"font-weight: 400;\"> Geopolitical tensions like the conflicts seen in 2025-2026, global oil prices, or changes in US Federal Reserve policies.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Market Cycles:<\/b><span style=\"font-weight: 400;\"> Markets do not move in a straight line. After a period of rapid growth i.e. a bull market, it is healthy for the market to &#8220;correct&#8221; or cool down i.e. a bear market.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">When your portfolio value drops, it doesn&#8217;t mean your money is &#8220;gone.&#8221; It only indicates that the <\/span><b>Net Asset Value (NAV)<\/b><span style=\"font-weight: 400;\"> of your mutual fund units has decreased temporarily. You still own the same number of units; they are just valued lower at this specific moment.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Magic_of_Rupee_Cost_Averaging\"><\/span><b>The Magic of Rupee Cost Averaging<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The biggest reason you should ignore the urge to pause is a concept called <\/span><b>Rupee Cost Averaging (RCA)<\/b><span style=\"font-weight: 400;\">. This is the &#8220;secret sauce&#8221; that makes SIPs so effective.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you invest a fixed amount every month, say \u20b910,000, the number of units you buy depends on the market price (NAV).<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>When the market is high:<\/b><span style=\"font-weight: 400;\"> Your \u20b910,000 buys <\/span><b>fewer<\/b><span style=\"font-weight: 400;\"> units.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>When the market is down:<\/b><span style=\"font-weight: 400;\"> Your \u20b910,000 buys <\/span><b>more<\/b><span style=\"font-weight: 400;\"> units.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">By continuing your SIP during a crash, you are automatically &#8220;buying the dip.&#8221; You are accumulating a larger number of units at a lower price. When the market eventually recovers and goes up, those extra units you bought during the &#8220;sale&#8221; will accelerate your wealth creation. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you ask yourself, <\/span><b>&#8220;should I stop SIP when the market is down?&#8221;<\/b><span style=\"font-weight: 400;\">, remember that by stopping, you are essentially refusing to buy units when they are at their cheapest.<\/span><\/p>\n<h3><b>A Practical Example<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Imagine that you invest a sum of \u20b910,000 every month.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In Month 1, the NAV is \u20b9100 and you get <\/span><b>100 units<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In Month 2, the market crashes, and the NAV drops to \u20b950. You get <\/span><b>200 units<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In Month 3, the market recovers slightly to a NAV of \u20b980.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you had stopped in Month 2 because you were scared, you would only have 100 units worth \u20b98,000. Because you continued, you have 300 units worth \u20b924,000. Your average cost per unit dropped from \u20b9100 to roughly \u20b966.6.<\/span><\/p>\n<div class=\"lead-gen-block\"><a href=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/04\/Program-in-Indian-Stock-Market-and-Forex-Trading-1-compressed.pdf\" data-url=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/04\/Program-in-Indian-Stock-Market-and-Forex-Trading-1-compressed.pdf\" class=\"lead-pdf-download\" data-id=\"25556854\">\n<p style=\"text-align: center;\"><button class=\"btn btn-default\">free download Stock market course roadmap<\/button><\/p>\n<\/a><\/div>\n<h2><span class=\"ez-toc-section\" id=\"The_High_Cost_of_%E2%80%9CWait_and_Watch%E2%80%9D\"><\/span><b>The High Cost of &#8220;Wait and Watch&#8221;<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-25646112 \" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/12821602_5064125-e1778235379942.webp\" alt=\"Mutual Funds\" width=\"400\" height=\"240\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/12821602_5064125-e1778235379942.webp 2000w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/12821602_5064125-e1778235379942-300x180.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/12821602_5064125-e1778235379942-1024x614.webp 1024w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/12821602_5064125-e1778235379942-768x461.webp 768w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/12821602_5064125-e1778235379942-1536x922.webp 1536w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/12821602_5064125-e1778235379942-150x90.webp 150w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/12821602_5064125-e1778235379942-750x450.webp 750w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/12821602_5064125-e1778235379942-1140x684.webp 1140w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Many investors think they can &#8220;time&#8221; the market. They believe they can stop their SIP now and restart it when the market &#8220;stabilizes.&#8221; This is a dangerous game for three reasons:<\/span><\/p>\n<h3><b>1. Missing the Best Days<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">History shows that the stock market&#8217;s biggest gains often happen in a very short window, frequently immediately after a major crash. If you are sitting on the side-lines waiting for stability, you will likely miss the initial recovery phase. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Missing just the 10 best trading days in a decade can cut your long-term returns by nearly half. If <\/span><span style=\"font-weight: 400;\">we check the performance of MSCI World Index since 1987, it has delivered 8.93% annualised returns (14.42% in INR). This clearly shows that returns and volatility always coexist.\u00a0<\/span><\/p>\n<h3><b>2. The Compounding Gap<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Compounding works best when it is uninterrupted. When you stop an SIP for 6 months, you aren&#8217;t just missing 6 installments. You are missing the 10, 15, or 20 years of compound interest that those specific installments would have earned. A few missed installments early in your journey can result in a corpus that is lakhs of rupees smaller at retirement.<\/span><\/p>\n<h3><b>3. Psychological Friction<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Though 52.82 lakh new SIPs were registered in<\/span><span style=\"font-weight: 400;\">\u00a0the month of March 2026, around 53.38 lakh SIPs were discontinued. It is very easy to stop an SIP, but it is psychologically very hard to restart it. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Usually, by the time an investor feels &#8220;safe&#8221; enough to return, the market has already rallied, and they end up buying at a higher price again.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_%E2%80%9CShould_I_Stop_SIP_When_Market_is_Down%E2%80%9D_is_the_Wrong_Question\"><\/span><b>Why &#8220;Should I Stop SIP When Market is Down&#8221; is the Wrong Question<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Rather than focusing on the temporary dip, investors should focus on their <\/span><b>Financial Goals<\/b><span style=\"font-weight: 400;\">. Assume that you are investing for a goal that is 7 to 10 years away. It may be a child\u2019s higher education or your own retirement. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">In that case, a market dip in year 2 or 3 is actually beneficial. The simple reason is that it allows you to build a larger inventory of units.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The only instance you should consider stopping or changing your SIP is:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Change in Fundamental Goal:<\/b><span style=\"font-weight: 400;\"> If the goal you were saving for has changed or been met.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Consistent Underperformance:<\/b><span style=\"font-weight: 400;\"> If your specific mutual fund has performed significantly worse than its <\/span><b>benchmark<\/b><span style=\"font-weight: 400;\"> and its <\/span><b>peers<\/b><span style=\"font-weight: 400;\"> for more than 2-3 years and not just because the whole market is down.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Financial Emergency:<\/b><span style=\"font-weight: 400;\"> Suppose you have lost your source of income and lack an emergency fund. In this case, use the &#8220;Pause&#8221; facility rather than &#8220;Stop.&#8221;<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Learning_from_the_Past_Indian_Market_Recoveries\"><\/span><b>Learning from the Past: Indian Market Recoveries<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-25646113 \" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/1167-1.webp\" alt=\"Mutual Funds\" width=\"399\" height=\"266\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/1167-1.webp 1500w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/1167-1-300x200.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/1167-1-1024x683.webp 1024w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/1167-1-768x512.webp 768w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/1167-1-150x100.webp 150w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/1167-1-750x500.webp 750w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/1167-1-1140x760.webp 1140w\" sizes=\"auto, (max-width: 399px) 100vw, 399px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">If you are still wondering, <\/span><b>&#8220;should I stop SIP when the market is down?&#8221;<\/b><span style=\"font-weight: 400;\">, look at the history of the Indian stock market.<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">During the<\/span><b> 2008 Global Financial Crisis,<\/b><span style=\"font-weight: 400;\"> the Sensex fell by over 50%. As a result, the investors who panicked and stopped their SIPs, lost out on the massive bull run that followed. However, those who continued saw their portfolios grow multi-fold over the next decade.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">During the<\/span><b> 2020 COVID-19 Crash, <\/b><span style=\"font-weight: 400;\">i.e. in March 2020, the market crashed nearly 40% in a\u00a0 few weeks. However, the recovery was equally swift. By 2021, the markets were at all-time highs. SIP investors who stayed disciplined during those terrifying months of lockdown were rewarded with spectacular returns.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">In 2026, we see similar patterns. While geopolitical noise and global inflation might cause temporary corrections, the structural growth story of India remains intact. Temporary volatility is the price you pay for long-term equity returns.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Handle_the_Stress_of_a_Falling_Portfolio\"><\/span><b>How to Handle the Stress of a Falling Portfolio<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If watching your portfolio turn red makes you lose sleep, here are some practical tips:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Stop Checking Daily:<\/b><span style=\"font-weight: 400;\"> Mutual funds are not for day trading. Checking your NAV every day is like watching grass grow\u2014it only leads to unnecessary anxiety. Check your portfolio once a quarter or once a year.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Focus on &#8220;Units,&#8221; Not &#8220;Value&#8221;:<\/b><span style=\"font-weight: 400;\"> During a downturn, look at your statement and see how many <\/span><i><span style=\"font-weight: 400;\">units<\/span><\/i><span style=\"font-weight: 400;\"> you own. You will notice that your unit count is increasing faster when the market is down. That is progress!<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Review Asset Allocation:<\/b><span style=\"font-weight: 400;\"> If the volatility is truly unbearable, it might mean your risk appetite is lower than you thought. Once the market stabilizes, consult a professional to see if you should increase your exposure to Debt funds to balance the risk.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Automate Everything:<\/b><span style=\"font-weight: 400;\"> The best way to avoid the question <\/span><b>&#8220;should I stop SIP when the market is down?&#8221;<\/b><span style=\"font-weight: 400;\"> is to have the money debited automatically. When you don&#8217;t have to &#8220;decide&#8221; to invest every month, you are less likely to let emotions interfere.<\/span><\/li>\n<\/ol>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/course\/stock-market-course\/\" target=\"_blank\" rel=\"noopener\"><strong>Learn Stock Marketing with a Share Trading Expert! Explore Here!<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><b>Conclusion<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The bottom line is simple: <\/span><b>Volatility is an SIP investor&#8217;s best friend.<\/b><span style=\"font-weight: 400;\"> Market downturns are not &#8220;losses&#8221; unless you sell your units. Instead, these are opportunities to buy more of the market at a discount.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The most successful investors in India aren&#8217;t the ones who are the smartest at picking stocks; they are the ones who are the most disciplined. They keep their SIPs running even during times of wars, pandemics, and economic shifts. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">The secret behind staying invested is that it allows the power of Rupee Cost Averaging and Compounding to work their magic. So, the lesson of the story is that next time the market takes a tumble and you feel that twinge of fear, all you have to do is to take a deep breath, look at your long-term goals, and keep your SIP running. Your future self will thank you.<\/span><\/p>\n<div class=\"alert alert-warning\"><strong>Disclaimer:<\/strong>\u00a0The information provided in this article is for general informational purposes only and is not intended as investment advice, financial guidance, or an offer or solicitation to buy or sell any securities. Readers should conduct their own research or consult a qualified financial advisor before making any investment decisions. The author(s) and the publisher disclaim any liability for any loss or damage arising directly or indirectly from the use of or reliance on the information provided herein.<\/div>\n<div>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\">\n<p style=\"text-align: center;\"><b>RELATED POSTS<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/why-size-doesnt-kill-mutual-fund-performance\/\" target=\"_blank\" rel=\"noopener\"><b>Why Size Doesn\u2019t Kill Mutual Fund Performance<\/b><\/a><b>\u00a0<\/b><\/td>\n<td>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/best-mutual-fund-plans-for-your-children\/\" target=\"_blank\" rel=\"noopener\"><b>Best Mutual Fund Plans for Your Children<\/b><\/a><b>\u00a0<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/how-much-of-your-salary-should-you-invest-in-mutual-funds\/\" target=\"_blank\" rel=\"noopener\"><b>How Much of Your Salary Should You Invest in Mutual Funds?<\/b><\/a><\/p>\n<\/td>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/how-much-tax-should-you-pay-for-mutual-funds\/\" target=\"_blank\" rel=\"noopener\"><b>How Much Tax Should You Pay for Mutual Funds?\u00a0<\/b><\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/nism-series-v-a-practice-questions\/\" target=\"_blank\" rel=\"noopener\"><b>NISM Series V-A Practice Questions for Mutual Fund Distributor Certification Exam<\/b><\/a><b>\u00a0<\/b><\/td>\n<td>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/how-to-file-income-tax-returns-for-mutual-funds\/\" target=\"_blank\" rel=\"noopener\"><b>How to File Income Tax Returns for Mutual Funds<\/b><\/a><b>\u00a0<\/b><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div>\n<div class=\"modal\" id=\"modal25556854\"><div class=\"modal-content\"><span class=\"close-button\">&times;<\/span>\n<div>\n<div 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<script>document.addEventListener(\"DOMContentLoaded\",function(){document.querySelectorAll('.wpcf7-form').forEach(function(e){e.addEventListener('submit',function(){if(document.getElementById('cf-turnstile-cf7-768612398')){setTimeout(function(){turnstile.reset('#cf-turnstile-cf7-768612398');},1000)}})})});<\/script> <\/div><br\/><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Submit\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n<\/div><\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Key Takeaways A falling market is a normal part of the economic cycle and not a reason to stop your investments. Continuing your SIP helps you to buy more units when prices are low, thus reducing your average purchase cost. SIPs are designed for wealth creation over 5-10 years and short-term fluctuations should not dictate [&hellip;]<\/p>\n","protected":false},"author":137,"featured_media":25646106,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[802,1867],"tags":[],"class_list":["post-25646090","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-stock-marketing"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Should You Pause Your Sip When Your Mutual Fund Portfolio Goes Down? - Entri Blog<\/title>\n<meta name=\"description\" content=\"Planning to pause your SIP as mutual fund portfolio is down? 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