Naren said “I don’t know if I even know 20-30 people who have done SIP in value discovery for 20 years”. The scheme has given 20.37% annualised returns since inception on 16 Aug 2004. The point is not about returns in this scheme or another. It is about the following- 1. Stopping sips in market corrections 2. Constantly chasing fund performance 3. Preference to emi over sip 4. Moving to stocks in bull markets when you see everyone else around you going crazy SIP is a fantastic tool to avoid market timing. You should continue at all times.