r/IndiaNonPolitical

We usually talk about panic-selling.

But I think there's another mistake people don't discuss enough.

Seeing a crash and thinking:

“This is my chance. I'll double my SIP.”

Then doing it for 3 months...

...and realising you can't actually afford that SIP for the next 2 years.

Would you rather:

A. Keep investing a smaller amount consistently

or

B. Invest aggressively whenever the market crashes?

Which one do you think most people underestimate?

Same ₹10 lakh.

Portfolio A eventually compounds at 12% a year but you have to survive a 30% fall somewhere along the way.

Portfolio B compounds at 9% but never falls more than 10%.

You're investing for 15+ years.

Which one are you actually choosing?

Not which one is mathematically better.

Which one could you personally stay invested in?