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Stopping Your SIP During a Market Crash Is the Worst Time to Stop — Here's What Actually Happens and When Stopping Is Rational

Stopping Your SIP During a Market Crash Is the Worst Time to Stop — Here's What Actually Happens and When Stopping Is Rational

Stopping a SIP during a market downturn is the most damaging timing mistake — it's when NAV is lowest, meaning each monthly contribution buys the most units cheapest, and those units benefit most from the recovery. Here's what actually happens to accumulated corpus when a SIP stops (it stays invested, doesn't sell), the three situations where stopping is financially rational, and why redeeming units during a downturn converts a paper loss into a permanent one.

Jun 25, 2026
Step-Up SIP: Why a 10% Annual Increase in Contributions Does Far More Than "10% More Savings"

Step-Up SIP: Why a 10% Annual Increase in Contributions Does Far More Than "10% More Savings"

Increasing your SIP by 10% annually — roughly matching a typical raise — can shrink the time to reach a savings goal by years, not months, because the step-up compounds on top of investment returns that are already compounding. Here's the "two compounding effects" framing, how to choose a step-up rate aligned with realistic income growth, and why automating the step-up removes a recurring decision point that's easy to defer.

Jun 13, 2026