{"id":18231,"date":"2020-03-25T12:37:40","date_gmt":"2020-03-25T07:07:40","guid":{"rendered":"https:\/\/www.fundsindia.com\/blog\/?p=18231"},"modified":"2020-05-12T08:38:04","modified_gmt":"2020-05-12T03:08:04","slug":"my-sip-returns-are-dismal-what-should-i-do","status":"publish","type":"post","link":"https:\/\/www.fundsindia.com\/blog\/mf-research\/my-sip-returns-are-dismal-what-should-i-do\/18231","title":{"rendered":"My SIP Returns are dismal – What should I do?"},"content":{"rendered":"

The last few weeks have been disheartening for equity market investors. W<\/span>aiting for 5 long years only to see dismal returns from their equity SIPs is not what long-term investors were expecting.\u00a0<\/span><\/p>\n

This is no doubt extremely painful and annoying. <\/span><\/p>\n

While subpar 5-year SIP<\/a> returns are not very common, they are not an impossibility. They have occurred occasionally in the past too.\u00a0<\/span><\/p>\n

Unfortunately, the current times are one such period.<\/span><\/p>\n

The key is to find out what happened to investors in the past, who had decided to continue with their SIPs<\/a> for a little longer.<\/span><\/p>\n\"What<\/a>\n

We have gone back 25 years in time (since 1995) and analysed the long-term returns (5-10 year) for a monthly SIP starting in Jan-95, Feb-95, Mar-95 and so on till date.<\/span><\/p>\n

Since 1995, there have been 40 months (17% of total instances), where a 5-year SIP in the Nifty 500 TRI index gave annualized returns of less than 5%.<\/span><\/p>\n