Watch & Learn
Should you stop your SIP when the market falls?
A falling market is when a fixed SIP amount buys the most units. Stopping the SIP at that point removes exactly the instalments that were being made at lower prices — which is the opposite of what the mechanism was designed to do for you.
Inderpreet Kaur·Brand Communication Team·15 July 2025·1 minute 21 seconds
What this covers
Rupee cost averaging is the plain version of this: the same amount every month buys more units when prices are lower and fewer when they are higher, so the entry price is spread across market conditions rather than fixed by one decision.
The costly pattern is stop-and-restart. Investors stop out of fear during the decline and restart only once markets feel safe again — which means skipping the cheap instalments and resuming at the expensive ones.
The reference point that resolves it is the goal, not the market. A SIP was set up for a child's education, a home or retirement; none of those dates moved because a quarter was bad.
Consistency is the whole mechanism — an SIP is a habit, not a hack. Review it against your goal, not against the market.
Full transcript
FinEdge Video Content Review — Should you stop your SIP, section 6 Full Transcript. Supplied by Leadership, 27 August 2026.
Inderpreet Kaur:
The market is falling, your investments look low and you wonder, “Should I stop my SIP?”
The answer is no.
A SIP means you invest a fixed amount every month, no matter what the market is doing. And that’s exactly the best part.
When the market falls, your SIP buys more units for the same amount. Isn’t it good to buy more when things are on sale?
SIPs are specially designed for volatile markets, and this is called rupee cost averaging. It helps you buy at different prices and balance your cost over time.
So when the market goes up again, you have more units and your money grows faster.
If you stop your SIP during the dip, you miss a chance to buy at a lower price.
And this is what most people do — they stop when they feel scared and restart when it feels safe. But by then, the market may already be higher, and the gap costs you more than the fall.
Your SIP isn’t about the market. It’s about your own goals.
Whether it’s your child’s future, your dream home or your retirement, those plans don’t wait and don’t stop for market dips.
The market will always go up and down, but staying invested, especially when it’s down, helps you build more wealth in the long run.
Always remember: SIP is a habit, not a hack.
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