At Market Research, we get a steady stream of investor emails asking questions that show that for some, SIPs remain misunderstood and misused. Here's a typical one, 'The markets are expected to stay oversold because blah blah. Is it wise to hold SIPs in such a period?'. This is just one such example. In general, those who have a punter's approach to investing, or spend too much time watching the punting channels on TV, carry over that approach to SIPs, trying to stop and start SIPs by timing the markets. Back in 2010, when equity-based investments were just recovering from the biggest crash anyone has ever seen, I remember investors claiming that SIPs were no good and that they had barely broken over the preceding years. This was actually not true. However, what had happened was that these were investors who had stopped their SIPs after the crash of 2008, and then restarted after the recovery in 2009. Obviously, their returns had suffered badly. With smaller degre