Common SIP Mistakes to Avoid

Most SIP failures aren’t about markets — they’re about behavior. Fix these, and your plan gets dramatically better.

1) Chasing last year’s top performers

Leaders rotate. Prioritize consistency and risk-adjusted returns over headline numbers.

2) Over-diversifying across too many funds

Beyond 5–6 equity funds, you likely own the index with extra costs. Keep a focused core.

3) Stopping SIPs during downturns

Downturns are when units get cheaper. If your job is safe and goals are long term, maintain or even increase SIPs.

4) No step-up plan

Salaries grow; SIPs should too. A 10% step-up can add lakhs to your corpus over a decade.

Fix it fast: Define your goal, pick right categories, enable 5–10% step-up, and review annually.
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* SIPGenie articles are generated from multiple sources and reviewed by AI, is for informational purposes only. It is not investment advice; please consult a qualified financial advisor before making any investment decisions.