Should you stop your SIPs?

At current levels (~74,000), portfolios may not look exciting.
But here’s what a recovery to previous highs (~85,700) can do:

XIRR jump isn’t small — it’s transformational

·       2020 SIP → +2% improvement

·       2021 SIP → +3%

·       2022 SIP → +4.5%

·       2023 SIP → +7%

·       2024 SIP → +12%

·       2025 SIP → +22%

Key takeaway:
The newer your SIP, the bigger the upside.

Why?
Because recent investments have accumulated more units at lower prices — and these benefit the most when markets recover.

Simple truth:
This phase is not destroying returns.
It is building future returns.

When markets move back up, the impact won’t feel gradual — it will feel sharp.

Staying invested right now is where the real money is made.