Continue With Your SIP

Is SIP-ing Timeless?

If you have to walk through the streets, crying for a few hours a day as part of the soldiering, go ahead and cry away. You can cry all right, but you can't quit." Charlie Munger: "I basically believe in the soldier on system.

Investing through Mutual Fund SIPs is much like soldiering: steady, disciplined, and often uncomfortable in the beginning.

The first few years test an investor’s patience as the portfolio crawls forward, sometimes even moving backward in market downturns.

It is in these early years that most people lose hope, seeing little reward for their consistent effort.

Yet, this is precisely when perseverance matters the most.

Each SIP installment quietly buys more units during bad markets and fewer during highs, averaging costs over time.

This disciplined process compounds silently in the background, and by the end of a decade, the transformation is extraordinary.

The same amount that once felt insignificant begins to grow exponentially as compounding takes over.

Market fluctuations that once caused anxiety now become opportunities.

The secret lies not in predicting markets but in continuing the march, month after month, through all moods of the economy.

Just as a soldier learns endurance through hardship, an investor builds wealth through consistency.

The reward for endurance is freedom; the freedom to watch your money work for you.

In the end, SIP investing honors the same timeless truth: cry if you must, but never quit.

- Jishnu Chatterjee.