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Seeing the Sensex drop thousands of points from its peak can trigger panic. But for the long-term investor, this is not a time for fear; it's a time for a disciplined plan. First, do not stop your SIPs. Halting them now is like walking out of a Diwali sale empty-handed; you're missing the chance to buy quality assets at a discount. Second, understand that capital erosion is a short-term specter. Historical data show that over periods of six years or more, the probability of a loss in a well-structured portfolio nears zero.