Market-aware recommendation: start SIP now, use STP, or wait? Get your timing verdict with corpus comparison.
| Market Condition | SIP Strategy | Lump Sum Strategy |
|---|---|---|
| Market Correction (-15%+) | Continue or increase SIP | Ideal — deploy now |
| Normal / Range-bound | Start or continue SIP | STP over 6 months |
| Near All-Time High | Continue SIP — ignore ATH | STP over 12 months |
| High Volatility / Uncertain | SIP is ideal — RCA advantage | STP or wait 3–6 mo |
Academic research consistently shows that "time in market" beats "timing the market." In India, Nifty 50 has delivered 11–14% CAGR over any 10-year rolling period since 1990, regardless of entry point — as long as the investor stayed invested.
No. Research on Nifty 50 shows that SIP investors who started at every ATH in history still earned 10%+ CAGR over 10 years. The entry point matters far less than the duration and consistency.
During market corrections (Nifty down 15%+) is historically the best time for lump sum deployment. At normal or ATH levels, STP over 6–12 months is preferred — earn 7% in liquid fund while gradually entering equity.