Should you stop SIP during a crash?
Most investors don’t fail because they pick the “wrong fund” — they fail because they change behavior at the worst time. This page is education-only (not advice) and helps you sanity-check the decision.
Quick answer
If you are stopping SIP purely because markets are down, that decision often hurts long-term outcomes. If you are stopping because your cashflow can’t support it or your risk level is genuinely mis-matched, that’s a different conversation.
A simple decision checklist
1) Cashflow first
If you don’t have an emergency buffer, pausing may be about survival—not fear.
2) Horizon check
If your goal horizon is long, drawdowns are expected. Short horizons should not take equity-like volatility.
3) Risk comfort
If your risk comfort is lower than your allocation, fix the plan—don’t rage-quit at the bottom.
4) Behavior cost
Before acting, quantify the trade-off. Use the simulator to visualize a disciplined vs panic rule under the same path.
FAQs
Clear answers, minimal noise.
Use the simulator the right way
- Set a realistic monthly SIP amount and horizon (3+ years shows crash+recovery best).
- Pick a crash preset and a panic behavior (stop SIP, reduce, delay restart).
- Compare post-tax outcomes and note the behavioral gap. Treat the number as education-only, not a prediction.
Next steps
If you want more tools like this, explore the Intelligence hub.
Disclosure: This page and simulator are for education only and do not constitute investment advice or a recommendation.