The ones hurt the most are SIP investors who entered late, near the peak, blindly trusting the ‘stay invested’ narrative.
History shows this clearly bull market peaks attract the maximum SIP inflows, and those peaks are often followed by years of below average returns. That’s exactly when patience gets tested and money starts moving out.
Data already tells us the story: 9 out of 10 SIP investors discontinue within 3 years.
Short term discipline breaks long before longterm compounding shows up.
