Before investing in any fund as SIP one should see the fund manager and also find the returns for last 3 years,5 years and then decide to invest.There may be funds which has performed better in last 5 years but when market fall the fall in that fund may be less as compare to index fund.If an index fund fall 32 percent in fall market and your fund fall only 22 percent then its good fund and there is no need to worry and you have to stay invested for long time.If an investor wants to sell his SIP in lower market or in situation when the fund is in negative side then the real loss has to be bear by investor and if an investor waits for some time to up market then he may get profit on his SIP investment.If an equity fund give good return in last 5 years and if an investor choose this fund in 3 months then due to market fall the fund can not give the good return which the fund given before.Its all a physiological matter only.
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