1. This would tantamount to "timing" the SIPs, which doesn't help fulfillment of long-term goals, because SIPs are not meant to maximize returns, but to help average out acquisition cost by investing regularly for a defined time frame, to the extent of being termed boring, which is what is actually required in equity MF investment.
2. SIP investment is merely a tool to patiently manage both euphoria and anxiety of an investor in a disciplined manner, during market ups and downs, and qualifying them with "lower" and "higher" PE are merely words when you're investing for long-term goals.
3. For a young investor, a balanced allocation of hard-earned net surplus savings works best in meeting specific priorities like dependent old parents, family care, children's education, contingencies, social needs, and lifestyle expenses, while he devotes his valuable time and energy in the primary task of developing and growing his own career during his earning years, as this will eventually enable him to increase investments steadily.
4. SIP investments can be in different funds for different tenures to meet different goals, or even in a single hybrid aggressive fund with built-in debt-equity auto-rebalancing, and without any short-term withdrawals.
5. Even best fund managers fail in "timing" markets, so a retail investor won't succeed too, and could end up with disastrous results at the time of retirement, or when he really needs money for various goals, as there are several factors that influence markets which can't be correctly predicted at all times.
2. SIP investment is merely a tool to patiently manage both euphoria and anxiety of an investor in a disciplined manner, during market ups and downs, and qualifying them with "lower" and "higher" PE are merely words when you're investing for long-term goals.
3. For a young investor, a balanced allocation of hard-earned net surplus savings works best in meeting specific priorities like dependent old parents, family care, children's education, contingencies, social needs, and lifestyle expenses, while he devotes his valuable time and energy in the primary task of developing and growing his own career during his earning years, as this will eventually enable him to increase investments steadily.
4. SIP investments can be in different funds for different tenures to meet different goals, or even in a single hybrid aggressive fund with built-in debt-equity auto-rebalancing, and without any short-term withdrawals.
5. Even best fund managers fail in "timing" markets, so a retail investor won't succeed too, and could end up with disastrous results at the time of retirement, or when he really needs money for various goals, as there are several factors that influence markets which can't be correctly predicted at all times.