INCOME TAX7 Sept 2026
Is your SIP in the red after 2 years? Know when 69% of these weak starts entered double-digit return territory
If your SIP has been flat or negative for two years, don't exit. A two-decade Nifty 500 TRI analysis found nearly 69% of negative two-year starts turned into double-digit annualised returns by year five, and none stayed negative. Weak 0–5% starts improved too—about 72% passed 10%. Longer horizons cut risk historically. Stay invested.
Key Statutory Highlights
- Nearly 69% of cases with negative two-year SIP returns delivered double-digit annualised returns by year five, and none remained negative.
- For SIPs with 0–5% returns in the first two years, about 72% delivered double-digit annualised returns after five years.
- Historically, the risk of capital loss fell to zero for seven- and ten-year SIP periods.
Actionable Advice for Taxpayers / Founders:Before pausing your SIP, review your financial goals and investment horizon—the data suggests giving your SIP more time can improve returns.
Statutory Disclaimer: TaxQue Shorts are AI-assisted editorial briefs for compliance awareness. This brief has not passed every source check; confirm the original notification before acting. This does not constitute formal legal or CA counsel.
TaxQue News Desk
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