We don't know
what happens next.

That's true every day. You're just feeling it now.

We can't predict oil prices, geopolitics, or the next notification that turns your screen red.

But here's what we do know

Every crisis fell. Every crisis recovered.

Year Event Returns from
peak to bottom
(Decline phase) 		Next 3-year CAGR
(Recovery phase)
2000 Dotcom Bubble Crash -50% 30%
2004 India General Election Uncertainty -30% 48%
2008 Global Financial Crisis -60% 29%
2011 Eurozone Debt Crisis -27% 23%
2013 Taper Tantrum -14% 19%
2020 COVID Crash -38% 32%
2022 Russia Ukraine War -16% 19%
Source: DSP Internal.
The Behaviour Check

The market isn't the risk. What you do next is.

1
The panic exit
"Let me sell and come back when things settle."
You lock in a 'temporary loss', permanently. The market doesn't know you left. It recovers anyway.
Instead
Check your asset allocation. If it matches your 5+ year horizon, do nothing. If overexposed, rebalance. Don't exit.
2
The hero trade
"This is the dip. Let me go all-in."
You may not know if 'this time' is the bottom. Even fund managers almost never time it.
Instead
Stagger via STP over 3–6 months. You won't catch the bottom, but you'll buy across a range. Process > prediction.
3
The Silent Freeze
"Let me pause my SIPs until this blows over."
This is like walking out of a sale because the store is crowded. Do remember, your SIP buys more units when prices are low.
Instead
Continue. Or increase. The units you buy in a correction compound the most. Let the SIP do what it was built for.
4
The Portfolio Stalker
"Let me just check my portfolio one more time."
Your phone keeps buzzing, and NAVs keep looking bad. Checking daily changes nothing except your anxiety.
Instead
Set a review date 3 months out. Until then, your only job is to not react. Close the app. Live your life.
5
The Clarity Trap
"I'll invest once things are clear."
You wait for a market signal that never comes. And while you wait, the market moves on without you.
Instead
If you have idle money and 10 years, put it to work. The best days come within weeks of the worst. You cannot time one without missing the other.

There's more where this came from.

Have a read

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Not sure what to do?

Seek expert advice from your MFD/RIA.

That's what they're there for. Not for predictions. For perspective.
To help you make decisions you won't regret a few years later.

Staying is not comfortable. It was never meant to be.

Will you be unaverage?