Equity funds delivered 19% CAGR over 20 years. The average investor in those same funds earned 14%. That 5 percentage point gap is not a fees problem. It is not a fund selection problem. It is a behaviour problem — and the data makes it impossible to ignore.
We tested 835 overlapping 5-year periods on Nifty 500 data. At every holdback ratio, the Buy the Dip SIP loses to a flat SIP. The more you hold back, the more you lose. The dumb SIP wins because it never hesitates.
We mapped every trading day since 2008 across Nifty 50 and India VIX. Volatility doesn't arrive randomly — it travels in waves. Here's what 4,458 trading days look like laid out in a grid.