Experts' 5-point SIP checklist before market correction
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- Aditya Mulki (Navi AMC CEO) says investors should predefine SIP pause rules during calm markets, triggered only by personal finance changes — loss of income, major commitments, or goal shifts — not market movements.
- Mulki recommends reviewing investments at predetermined intervals such as quarterly or annually, rather than monitoring portfolios daily during volatile markets.
- Manish Srivastava (Anand Rathi Wealth ED) recommends a separate emergency fund so temporary income disruptions don't force investors to stop their SIPs; once finances stabilize, SIPs should resume at the earliest to stay on track.
- Bhalchandra Joshi (The Wealth Company Mutual Fund) says household stability comes first — continuing SIPs should never require dipping into emergency savings or taking expensive debt, and any pause should include a predefined review date or restart trigger, since a temporary break can quietly become permanent.
- Kaustubh Belapurkar (Morningstar Investment Research Director) advises against discontinuing SIPs over short-term fund underperformance unless the investment team or process has changed, and recommends a written record of goals, asset allocation, and investment horizon.
- Varun Gupta (Groww Mutual Fund CEO) advises consulting a financial adviser before making significant changes during volatile markets, so decisions stay aligned with long-term goals and risk appetite rather than short-term sentiment.
Why it matters: Five named experts from Navi AMC, Anand Rathi Wealth, The Wealth Company, Morningstar, and Groww Mutual Fund converge on a single message: emotional decisions during market corrections are the biggest threat to SIP discipline. The practical consequence for retail investors is that pre-set rules — separate emergency funds, written goal records, and fixed review intervals — convert reactive panic into predetermined action, protecting long-term compounding.
