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India Today
03-07-2025
- Business
- India Today
Don't set and forget: Why your SIPs need regular check-ups
It's often said that once you start your SIPs (Systematic Investment Plans), you should forget about them and let compounding do its work. But experts believe this advice only works halfway. While discipline is key in wealth building, blindly leaving SIPs untouched for years could do more harm than the idea of 'set it and forget it' may seem peaceful, doing so could lead to long-term underperformance, missed opportunities, or even a shortfall in your retirement goals. Experts suggest a more balanced approach—stay invested, but also stay NOT ONE-TIME DECISIONTrivesh, COO of Tradejini, explains why ignoring SIPs for years can be risky.'Markets change, fund strategies shift, and your financial goals may not be the same five years down the line,' he says. 'If an SIP isn't performing and you're not reviewing it, you could be locking yourself into poor returns for years.'Even the best-performing funds can begin to underperform if market conditions change or if there is a shift in fund management. That's why it's important to keep an eye on how your SIP is doing over AND HOW OFTEN TO REVIEW SIPsMost experts suggest reviewing your SIP investments at least once a year. Trivesh recommends a check every six months, but only after the fund has had at least two years to stabilise. 'Don't judge a fund too early. But after two years, regular reviews are a must,' he Garg from Lemonn Markets agrees. He suggests a full review every 3 to 4 years, especially if you're investing for long-term goals like retirement, buying a house, or funding your child's SHOULD TRIGGER A REVIEW According to Gaurav, there are several key situations where a review becomes necessary:A change in fund managerConsistent underperformance over a 3–5 year periodMajor life events like marriage, a new job, or having childrenA change in your risk appetite or financial goalsUnusual shifts in the fund's asset allocation or strategyTrivesh adds that 'a few employers deduct EPF or NPS contributions but don't deposit them. Something similar can happen with SIPs—just because the deduction is happening doesn't mean your money is performing as expected.'RISK OF UNDERPERFORMANCEIf an SIP fund consistently trails behind its benchmark or peer group, it can have a big impact on your wealth over the long run. 'The power of compounding works both ways,' says Gaurav. 'If you are in a poor-performing fund, that loss also compounds over time.'Missing or incorrect deposits, delays in fund updates, or outdated KYC details can also cause trouble when you try to withdraw or switch experts stress that short-term market noise should not be the reason to stop SIPs. In fact, SIPs work best during volatile periods. However, persistent underperformance, poor management, or misalignment with your goals should not be ignored.'Discipline is good, but discipline without attention is dangerous,' says tracking your SIPs is getting easier. Many platforms offer simple dashboards, alerts, and mobile apps to check fund performance. Some mutual fund platforms now even offer automated advice on underperforming SIPs and goal tracking message is simple, automating your investments doesn't mean forgetting them. 'Monitor your SIPs, make sure they are aligned with your goals, and don't hesitate to switch if things don't add up,' says invested is important. But being informed is even more important.(Disclaimer: The views, opinions, recommendations, and suggestions expressed by experts/brokerages in this article are their own and do not reflect the views of the India Today Group. It is advisable to consult a qualified broker or financial advisor before making any actual investment or trading choices.)- Ends advertisement
Reuters
17-06-2025
- Business
- Reuters
India equity benchmarks set for muted open after Trump's Tehran warning
June 17 (Reuters) - India's benchmark indexes are set for a muted open on Tuesday, as investors adopt a cautious stance following U.S. President Donald Trump's call to evacuate Tehran amid escalating Israel-Iran tensions. The Gift Nifty futures were trading at 24,960 as of 8:02 a.m. IST, indicating that the Nifty 50 (.NSEI), opens new tab will open near Monday's close of 24,946.5. U.S. stock futures slipped and oil prices rose on Tuesday, as the fifth day of Israel-Iran fighting heightened fears of a broader regional conflict. Trump cut short his attendance at the Group of Seven summit in Canada, citing mounting tensions in the Middle East. He also reiterated that Iran should have agreed to a nuclear deal with the United States. India's equity benchmarks rebounded in the previous session, lifted by gains in heavyweight IT and financial stocks, even as geopolitical worries lingered. Foreign portfolio investors (FPI) remained net sellers of Indian shares for the fourth straight session on Monday, with outflows amounting to 25.39 billion rupees ($295.9 million). Domestic institutional investors continued to be net buyers for the 20th straight session. "Evolving geopolitical developments and oil price trends will be key drivers for domestic equities in the near term," said Satish Chandra Aluri, analyst at Lemonn Markets Desk. ** Mphasis ( opens new tab enters into a strategic deal with Sixfold to enhance insurance underwriting capabilities through integration of advanced AI platform ** Hyundai Motor India ( opens new tab commences production of passenger vehicle engines at Talegaon plant in Maharashtra ** Hikal ( opens new tab says its unit in Bengaluru has successfully passed the Brazilian Health Regulatory Agency's good manufacturing process audit for pharma inputs ** Godrej Properties ( opens new tab acquires land in Pune for a project with a revenue potential of 31 billion rupees ($1 = 85.8180 Indian rupees)
