Should I Stop My SIPs? Navigating Volatile Markets with Confidence

The simple answer is no , stopping your SIPs during volatile markets can hurt your long-term wealth. SIPs are designed to work best when markets fluctuate, helping you average costs, stay disciplined, and benefit from recoveries. By continuing your SIPs, you harness rupee cost averaging, compounding, and goal-focused investing that keeps you on track, no matter how unpredictable the market feels.

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Why Do Investors Think of Stopping SIPs?

Fear of Losses

Sharp market dips create panic, leading many to stop SIPs prematurely

Desire to Avoid Risk

Investors pause SIPs believing it will protect their money in the short term

Breaking Discipline

Stopping interrupts compounding and delays long-term financial goals

Kalpen Parekh

MD & CEO

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Why Continuing SIPs in Volatile Markets Works Better

Volatility reduces your average cost through rupee cost averaging

Consistent investing keeps compounding uninterrupted

Market dips let you accumulate quality funds at lower prices

SIPs remain tied to long-term goals like retirement and education

Investors who stayed invested through downturns historically outperformed

What Our Clients Say

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“I started my investment with Finedge around 7 years ago, with a very limited or infact no knowledge in investment. However, with the guidance support and knowledge from the experts from Finedge has helped me a lot in investing. They have been very professional at the same time very polite friendly and makes the customer understand and invest smartly. They had often arranged detailed discussion related to the portfolio which they have wonderfully designed and keep updating time to time through online website. It gives clarity and a lot of understanding of where my money is being invested. Investing is not an easy game, Finedge and it's experts allows u to understand, make u comfortable in investing and never force u to invest more n more. I am thankful to finedge and all my past consultants finedge. Presently m being guided supported and helped by Ms.Nandini.She is extremely smart and true professional in handling finance related activities. She has helped me many times in the redemption process making it such a breeze. She helps me investing wisely and also keeps track of my goals n finances. Thank u so much finedge.”

Rahul Kumar Ranjan

What Our Clients Say

1800+ Google Reviews. A 4.7 Star Rating. Zero Sales Targets.

“I have been with Finedge since last decade. Starting from not understanding anything about investment to eventually evolving to a better managed goals - all credit to some incredible persons involved in this journey. From Harshit to Shivani (not part of Finedge now) and for last few years Ayushi. Ayushi has been exceptionally well trained in her domain and has a very human touch to her approach in managing goals. She understands the needs and benefit and suggests what always stands out. A big thank you to her and Finedge and all the best always.”

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What Our Clients Say

1800+ Google Reviews. A 4.7 Star Rating. Zero Sales Targets.

“I've had a fantastic experience with FinEdge! Since 2014. Their team is highly professional, knowledgeable, and genuinely focused on helping clients achieve their financial goals. Special thanks to Aayushi Sahni for her excellent portfolio management and consistent support. What sets FinEdge apart is their client-centric approach — it's never about pushing products, but about understanding what truly works for you in the long run. I've felt well-informed and confident about my investments since day one. Highly recommend FinEdge to anyone looking for honest, long-term financial guidance! — R. Kumar”

R Kumar

How SIPs Build Wealth Over Time

SIPs offer a structured approach to investing, even when markets feel uncertain. They bring stability and predictability to your long-term plan.

Disciplined Investing

Automates saving into a regular habit

Power of Compounding

Returns grow faster when uninterrupted over years

Rupee Cost Averaging

Market volatility helps reduce overall investment costs

Mr. Pratheesh Gangadhar's Dreams into Action

"To stay invested had not been easy. At times I used to be concerned with the up and down movement in the markets. It was the goal focus approach of FinEdge that helped me here. I was able to not let these swings affect me much. Also, it helped that at FinEdge it was reinforced that these investments are linked to my goals and meant to be utilised a few years down the line so short term market movements are irrelevant."

~ Pratheesh Gangadhar, Bangalore

Embracing Volatility for Rupee Cost Averaging

Market volatility isn’t necessarily a bad thing for SIP investors. In fact, it’s a crucial component of rupee cost averaging, a strategy where you invest a fixed amount at regular intervals, regardless of market conditions.

When markets dip, your SIP buys more units; when they rise, you buy fewer. Over time, this balances your average cost and can enhance returns.

Example:

Month 1: NAV ₹50 → 100 units
Month 2: NAV ₹40 → 125 units
Month 3: NAV ₹60 → 83 units

After 3 months, you own 308.33 units at an average cost lower than the current NAV, proof that volatility can work in your favour.

Why Choose FinEdge

FinEdge’s goal-based investing platform, Dreams into Action (DiA) blends cutting-edge tech and human expertise to provide unbiased investment guidance.

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No Product Pushing
No Cross Selling/Upselling

People Purpose Product Personalization Process

FAQs

Should I stop SIPs when markets are falling?

No. Volatility allows rupee cost averaging, which reduces your average cost per unit. Staying invested ensures you benefit when markets recover.

What happens if I stop my SIPs midway?

Pausing or stopping breaks compounding. Even a 12-month pause in a ₹5,000 SIP can reduce your final corpus by over ₹12–13 lakhs.

Is pausing SIPs better than stopping them completely?

Yes. Most AMCs let you pause for 1–6 months. This helps manage short-term cash flow without disrupting long-term plans.

How does FinEdge help investors during market volatility?

FinEdge’s DiA platform provides personalized strategies, goal-tracking, and behavioural coaching to keep investors disciplined and focused on long-term wealth creation.