{"id":13327,"date":"2018-03-15T13:22:04","date_gmt":"2018-03-15T07:52:04","guid":{"rendered":"https:\/\/blog.fundsindia.com\/blog\/?p=13327"},"modified":"2020-04-28T16:58:18","modified_gmt":"2020-04-28T11:28:18","slug":"i-stopped-my-sip-extracts-from-an-investors-diary","status":"publish","type":"post","link":"https:\/\/www.fundsindia.com\/blog\/mf-basics\/i-stopped-my-sip-extracts-from-an-investors-diary\/13327","title":{"rendered":"I stopped my SIP – Extracts from an investor’s diary"},"content":{"rendered":"

10th November, 2015<\/i><\/b><\/p>\n

Today, I saw the Nifty was down 1.5%. The markets have been falling continuously. I think I received an email from Fundsindia saying the markets have fallen over 5% in the last one month or so.<\/span><\/p>\n

I am freaking out. I have over 6 lakhs invested in equity funds<\/a>. The value of my investments has fallen by almost Rs. 16,000 in a week. And I am investing \u20b930,000 per month. I think I should stop investing for a while. <\/span><\/p>\n

18th November, 2015<\/i><\/b><\/p>\n

The markets fell by a percent again today. I was looking up the history of the Nifty. From a high of 8,295 it has fallen to 7,731 now. I am going to lose my money. I think I should stop my SIPs<\/a>. In fact\u2026<\/span><\/p>\n

Yes. Just logged in to Fundsindia and stopped all my SIPs. <\/span><\/p>\n

2nd December, 2015<\/i><\/b><\/p>\n

The markets have been rising ever since I stopped my SIPs. What the \u2026<\/span><\/p>\n

11th December, 2015<\/i><\/b><\/p>\n

The markets have been falling again. Today it went close to 7,600. I think it was a good decision to stop my SIPs. <\/span><\/p>\n

15th January, 2016<\/i><\/b><\/p>\n

The Nifty breached 7,500 today. My investments are going down the drain! Why did I have to invest so much money in this thing. Whoever said I will make quick gains in mutual funds<\/a>. That Ramesh is going to get an earful from me the next time I see him. Thankfully, I\u2019m not investing more.<\/span><\/p>\n

11th February, 2016<\/i><\/b><\/p>\n

The Nifty went below 7,000 \ud83d\ude41 . Why didn\u2019t I redeem instead of just stopping SIP! I don\u2019t know what to do now. <\/span><\/p>\n

9th March, 2016<\/i><\/b><\/p>\n

The markets are starting to move up for the past few days. It seems the situation is not as bad as I had envisioned. Let\u2019s hope for the best.<\/span><\/p>\n

4th April, 2016<\/i><\/b><\/p>\n

The markets are definitely on an uptrend. They have been above 7,700 for quite a while. I think I should start my SIPs again. And I bought a new phone yesterday! The Galaxy S7 Edge, it\u2019s a really nice phone, latest model in the market. Never thought I could afford it, but saved up so much over the past months that it just seemed affordable enough. My bank balance was so high!<\/span><\/p>\n

21st April, 2016<\/i><\/b><\/p>\n

OK. Nifty is reaching close to 8,000. Should definitely start my SIPs again now. <\/span><\/p>\n

Why does the market rise only when I\u2019m not investing?\u00a0\ud83d\ude10<\/span><\/p>\n

3rd May, 2016<\/i><\/b><\/p>\n

I started all my SIPs again. I also wanted to invest \u20b91,50,000 that I would have been invested during December to April. But because of my phone and the earrings I bought for my wife (surprise gift! And bonus points for me!) I managed only \u20b970,000. Maybe I shouldn\u2019t have done that \ud83d\ude41<\/span><\/p>\n

2nd June, 2016<\/i><\/b><\/p>\n

The markets are up so much. My investments are back on track in profits! I am so happy. <\/span><\/p>\n

11th July, 2016<\/i><\/b><\/p>\n

Going to meet that Ramesh fellow tomorrow. Will tell him all about how smartly I handled my investments without his help. He would have just gotten me into more losses.<\/span><\/p>\n

12th July, 2016<\/i><\/b><\/p>\n

Met Ramesh today. He was saying that the \u20b91,50,000 he invested during December to April is already up to \u20b91,71,900. Started lecturing me, said if I had continued my SIP, I would have bought units at a lower NAV and would already be reaping the rewards. He showed me some calculations, said if I had not stopped my SIPs, my \u20b91,50,000 would have turned to \u20b91,73,200 as well.<\/span><\/p>\n

#@!!@$# Ramesh. Couldn\u2019t he have told me not to stop my SIP<\/a>s?\u00a0😡\u00a0<\/span><\/p>\n

\n

The investor’s journey
\n\"market_performance_during_october_2015_to_July_2016\"<\/a><\/h4>\n","protected":false},"excerpt":{"rendered":"

10th November, 2015 Today, I saw the Nifty was down 1.5%. The markets have been falling continuously. I think I received an email from Fundsindia saying the markets have fallen over 5% in the last one month or so. I am freaking out. I have over 6 lakhs invested in equity funds. The value of […]<\/p>\n","protected":false},"author":19,"featured_media":13328,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[505,66],"tags":[],"yoast_head":"\nI stopped my SIP - Extracts from an investor's diary<\/title>\n<meta name=\"description\" content=\"Learn from a hypothetical investor's mistake, why not to stop your SIP in a falling market. 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