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Financial Planning chennai India, Private wealth management chennai India, Investment Advisory India, Systematic Investment Plan, Mutual Fund SIP, Mutual Fund ELSS, Tax Saving scheme

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Why Should You Continue With Mutual Fund SIP even when the market is so fluctuating, market fluctuating

Why should you continue with Mutual Fund SIP even when the market is so fluctuating?

by Holistic Leave a Comment | Filed Under: Mutual Funds

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Introduction

In this competitive world everybody wants to make or get more money .For each and every investment everyone requires more return. One of the easiest and safest way to make more return is Mutual Fund SIP (Systematic Investment Plan) . Actually, before to invest most of the investors has lot of questions in their mind. Especially during market fluctuations , of all, there are two questions run in everyone’s mind.

Why Investors should not stop/withdraw Mutual Fund SIP during volatile times?

Did you know that Mutual Fund SIP is the sweetest fear fighter, to meet out market fluctuations? Yes, you read it right. First and foremost point of investing Mutual Fund SIP is to overcome market volatility .

Mutual Fund SIP enables you to buy more during down times

Since a fixed amount is spent for investing, market fluctuations can be overcome. Risk can also be minimised. It enables investors to buy more when the market price is low, which actually is the proper time to buy.

When the market is subdued, investors can buy lot of units because the prices go low. Buying at low prices is one best way of accumulating more mutual fund units. When the market booms, investors can sell it in huge and probability of getting profit also goes very high.

Mutual Fund SIP guides you to buy more units when the prices go downcast. Look at your portfolio when the market goes up, you would have made a huge profit by buying a lot at a lower price. How does it happen? Rupee cost averaging that occurs due to SIP average out the cost over a period of time. You will be able to buy more instruments when the Net Asset Value (NAV) goes down and you can opt to buy lesser number of units when NAV rises up.

Mutual Fund SIP is the best long term solution to consider when the market is down

An important source of long term financing, equity offers lot of advantages as well as good returns. Have you ever thought of stopping your children from going to school just because they scored low in couple of exams? Schooling discipline the way children study and behave, right? Likewise, you will witness ups and down in the market. Mutual Fund SIP streamlines the processes and help you gain in the long term.

Mutual Fund SIP is the plan through which investors can invest in mutual funds through small and periodic instalments in a regular systematic way. This system helps in gain high benefits even if the market fluctuates.

Mutual Fund SIP in a volatile market

The success of equity investment depends on market fluctuations. Not only selecting the reliable companies (where?) and when to invest is also playing a vital role in getting high returns. Whereas, mutual fund SIP helps in solving the problem of when and where to invest during volatile times.

Choose Mutual Fund SIP way to grow your investment during this volatile market.

Mutual Fund SIP is the right way if the market is down for some temporary reasons

Many organizations today have performance measurements of the employees to run successfully. No company will lay off the employee if he/she has under-performed in a single quarter. If they start laying off the employees for under-performance due to temporary reasons, the organization will end up having significant trouble in operations.

In the same way, there are various temporary factors create an impact on how the market works and also the mutual funds. For example, elections anticipated in the coming months can create a negative impact on certain instruments. Selling these without thinking long term will lead to a negative mode. If you continue your mutual fund SIP during these temporary down phase you will reap more once the market recovers.

What needs to be done to keep your SIPs successful?

Prior choosing any scheme, evaluate the qualitative and quantitative parameters like returns over extended period of time, fund house’s quality, risk ratios, profile of fund’s manager, objective and necessity of investment etc.

    1. Analyse the performance of Mutual Fund SIP periodically

    2. Avoid starting two Mutual Fund SIPS in similar schemes

    3. Do not go for any fund just because they are star rated. Analyse them appropriately.

Conclusion

Investment models are created to meet out financial crises. So, a disciplined way of investment is required to grow your money. A study says, even though Mutual Fund SIP delivers lot of advantages, nearly 11.5 lakhs Mutual Fund SIP in equity funds have been stopped in 2012. And another 4.93 lakhs were not reinvested. Even the situation continues till now.

It is utmost important to understand that the right allocation of funds on Mutual Fund SIPs will not only save you during down times but also reward you in multiples when the market is up. Terminating Mutual Fund SIP, when the market is down is one of the worst investing decision people make. Never do this.

If you have any comments or questions, write them in the comment box below.

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Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
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Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
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6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
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