Experts Outline 5-Point SIP Checklist Before Market Correction
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- Aditya Mulki, CEO of Navi AMC, called deciding whether to continue or stop SIPs during market falls the biggest investor mistake, recommending pre-defined rules set during calm markets for scenarios like loss of income, major financial commitments, or changed long-term goals.
- Manish Srivastava, Executive Director at Anand Rathi Wealth, recommended maintaining a separate emergency fund so that temporary income disruptions or unexpected expenses don't force investors to halt SIPs.
- Kaustubh Belapurkar, Director at Morningstar Investment Research, warned against discontinuing SIPs over short-term fund underperformance, noting even well-managed funds can lag peers during market rotation or style headwinds, and advised written records of financial goals, asset allocation and investment horizon.
- Aditya Mulki recommended reviewing investments at predetermined intervals — quarterly or annually — rather than daily monitoring, which he said amplifies anxiety and fuels impulsive decisions during volatility.
- Bhalchandra Joshi, COO at The Wealth Company Mutual Fund, said any SIP pause should include a pre-set review date or restart trigger, warning that temporary pauses can quietly become permanent breaks in the investment habit.
- Varun Gupta, CEO of Groww Mutual Fund, advised consulting a financial adviser before making significant changes during volatile markets to keep decisions aligned with long-term goals and risk appetite.
Why it matters: Retail investors face a recurring trap: making SIP decisions during market falls, which experts called the single biggest mistake. The 5-point framework's pre-set rules and emergency corpus directly counter the forced-stop pattern that derails long-term wealth-building during volatility.
