Should you strike when the market is cold?

Sumit, 26, started his investing journey around two years back. Through monthly SIPs of Rs 5,000 in mutual funds, he has accumulated a corpus of Rs 1.82 lakh so far. But since the market has been falling for the last couple of months, Sumit wonders if he should stop investing or take a more opportunistic bet and invest his savings of Rs 2 lakh in one go and capitalise on the dip, or play it safe. He was also contemplating if he should aggressively invest in stocks right now. Sumit is hardly alone. Equity markets have been choppy of late, making many investors ponder if this is the opportune time to go all in and invest. So, should he take the plunge, or can this strategy backfire? Let's find out. Time in the market matters more than timing the market No one can accurately guess the market's next move, even experienced investors. So, if you are waiting for the 'right' time to invest or considering pausing your SIPs during a slump, think twice. What should you do then? Stay invested, regardless of mark

This article was originally published on December 15, 2024.