Wallet Investment

Why You Should Not Stop Your SIP During a Market Crash Market crashes can feel unsettling. Prices fall, headlines turn negative, and many investors begin to question their decisions. One of the most common reactions is to stop their Systematic Investment Plan (SIP). On the surface, that might seem like a safe move. In reality, it can do more harm than good. Let’s break down why continuing your SIP during a market downturn is often the smarter choice. AI-Generated Image 1. You Buy More Units at Lower Prices When markets fall, mutual fund NAVs drop. That means your fixed SIP amount buys more units than usual. This is called rupee cost averaging. Over time, it reduces the average cost of your investments. For example, if you invest ₹5,000 every month: In a rising market, you buy fewer units In a falling market, you buy more units When the market recovers, those extra units can significantly boost your returns. 2. Market Timing Rarely Works Trying to pause your S...

Why Most Mutual Fund Investors Fail Even When the Market Is Rising? At first glance, it doesn’t make sense. Markets go up over time. Mutual funds deliver decent long-term returns. Yet, a large number of investors still end up disappointed. The problem usually isn’t the market. It’s behaviour. Let’s look at three common habits that quietly destroy returns, even in a rising market. 1.  Stopping SIPs at the Worst Time A Systematic Investment Plan (SIP) is built on one simple idea: stay consistent, no matter what the market is doing. But many investors do the exact opposite. When markets fall, fear kicks in. News headlines turn negative. Portfolios show red. That’s when people stop their SIPs, thinking they’ll restart “when things improve.” This is a mistake. Market corrections are when SIPs work best. You buy more units at lower prices, which improves your average cost over time. By stopping your SIP during downturns, you miss the very phase that sets up future gains. In...

The Investor’s Library: 10 Essential Books to Master the Markets in 2026 AI-Generated Image In the fast-moving world of 2026, where AI-powered answer engines and algorithmic trading dominate the conversation, the fundamental principles of building wealth remain unchanged. Technology evolves, but human psychology, the true force behind market behaviour, stays the same. To build a resilient portfolio in today’s environment, investors need a combination of timeless value-investing principles, behavioural insight, and a modern understanding of an increasingly complex world. The following 10 books offer exactly that. Together, they provide a foundation for making smarter, more disciplined investment decisions and gaining a lasting edge. 1. The Intelligent Investor by Benjamin Graham Often called the “Bible of Investing,” this classic is widely regarded as the most important investing book ever written. Benjamin Graham introduces the core principles of value investing, including the essentia...

Indian Stock Market Update: August 18, 2025 – A Strong Day for Stocks The Indian stock market had a strong day on August 18, 2025, with major indices such as the Sensex and Nifty rising sharply. The gains came from exciting news about tax changes , a better credit rating for India, and positive global news . Here’s a simple breakdown of what happened and what to expect next. India’s Stock Market Boom: What Happened on August 18, 2025? Market Highlights The stock market ended the day with big gains, breaking a period of flat performance. The BSE Sensex climbed 676 points (0.84%) to 81,273.66, and the NSE Nifty 50 rose 245.55 points (1.0%) to 24,877.30. The Nifty Bank index also went up by 390.25 points (0.71%) to 55,732.10. Smaller and mid-sized companies did well too, with the Nifty Midcap 100 up 1.1% and the Nifty Smallcap 100 up 0.8%. How Different Sectors Performed: Auto Sector: Jumped 4.2% because of expected tax cuts on small cars from 28% to 18%. Consumer Goods: Gained 1.8% as pe...