Does ‘SIP’ping always help?

Yes
No
Maybe

I keep sharing this data again & again, just to reiterate on….

How important is the duration of SIPping?

How important is it to move away from the equity portion well before the need arises (nothing related to the state of the market)?

How important it is to stay committed for the very long end, even after facing super turbulent times, a number of times during the SIPping tenor?

My personal SIP in a large cap fund – SIP started in Jan 2011

Jan 2018 CAGR 15.68% (7 years) ????

23 March 2020 CAGR ended -1.56% (over 9 years of SIP) ?? in less than 2 months, it washed away all my gains of over the entire tenor

But….i continued with the SIPping

12 Sep 2022 – yesterday’s CAGR is 14.28%???

My learning…

There are enough times that SIP s go down too, especially once we accumulate money into them over a time period

Continue with SIPping even during turbulent times (infact, it’s the best time to keep accumulating)

Always move into a safer asset if your NEED for the money is within the next 2 or 3 years away (we can’t get this wrong)

SIPping helps, but being disciplined, having a temper to hold on & knowing clearly on when you Need the money…. immensely helps, as always

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