Get your Investment Readiness Score — and see the exact rupee cost of waiting 1 or 2 years to start.
The question "should I wait for the market to fall before investing?" is the single most wealth-destroying question in personal finance. Studies consistently show that missing the best 10–20 days per decade — while waiting for the perfect entry — dramatically reduces long-term returns.
Yes — for long-term SIP investing. Historical data shows Nifty 50 all-time highs are followed by further highs more than 75% of the time over the next 1 year. Trying to time entry for short-term dips while investing for 10–20 years is mathematically counterproductive.
Build 3–6 months emergency fund first. Get term insurance if you have dependants. Clear credit card or personal loan debt above 15% APR. After these three steps — start investing immediately, not after waiting for the "right time".
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