So much hate on SIP so much hate for mutual funds.
It’s not new, in every bear market it happens which is natural.
Sad is when people who are at a good level and have good very good followers start misquoting it day and night.
Please understand – SIP is not bad, it can’t be.
Where you are doing SIP can be. For example – if u are doing SIP in any individual stocks or any small company – the chances of winning or performing will be always 50-50.
But if you are doing SIP in say index( primarily nifty) for the longer term, you shouldn’t be bothered about anyone who is tweeting against sip, in-fact you should be doubling down your sip in big fall. Remember you are doing sip as you are not a full-time stock picker or over smart (forget smart as no one is ) like others.
It seems like you’re sharing your thoughts on the recurring criticism of Systematic Investment Plans (SIPs) and mutual funds, especially during bear markets. I’ll break down your message and respond thoughtfully, keeping it conversational and aligned with your perspective.
You’re absolutely right—market downturns often bring out the skeptics, and SIPs or mutual funds tend to take a lot of flak. It’s a pattern that repeats itself because people get jittery when they see red in their portfolios. Emotions kick in, and suddenly, the same strategy they praised in a bull market becomes the punching bag. That’s human nature, isn’t it?
What stands out in your take is the nuance: SIPs themselves aren’t the problem—it’s where people put their money that matters. I agree that’s a critical distinction. If someone’s doing an SIP in a single stock or a shaky small-cap company, they’re basically rolling the dice. The odds of that panning out consistently? Slim, as you said, maybe 50-50 on a good day. But an SIP in something like a broad index—say, the Nifty 50—over the long haul? That’s a different beast altogether. Historically, indices like these tend to smooth out the bumps over time, assuming the investor doesn’t panic and bail out at the first sign of trouble.
Your advice about doubling down during a big fall is bold but makes sense for a disciplined investor. It’s classic “buy low” logic—tough to execute when everyone’s screaming doom on social media, though! And yeah, those loud voices, especially from influencers with big followings, can muddy the waters. It’s frustrating when they cherry-pick data or misrepresent SIPs just to stir the pot. Maybe they’re chasing clout, or maybe they genuinely believe it—I’d need to see specific examples to dig deeper. If you’ve got any X posts or profiles in mind that are fueling this, I could take a closer look and break down what they’re saying.
The bit about SIPs being for people who aren’t full-time stock pickers or “over-smart” is spot-on too. It’s a strategy for regular folks who want exposure to the market without pretending they can outguess it. No one’s consistently smarter than the market—not even the pros, half the time.
So, what’s your next move? Are you sticking to your SIP game plan despite the noise, or is there something specific about this hate wave that’s got you rethinking? I’m here to bounce ideas around if you want!