Your SIP dashboard has been red for weeks, should you stop it

step 1 / 7

i am b

money, but make it make sense

store: i am b date: branch: gen z drop: 05 of many

Your SIP dashboard has been red for weeks, should you stop it

Seven interactive steps. Tap through what a falling market actually does to a running SIP, using Nemi's dashboard and possibly your own.

Everything glowing red is tappable. Start with the chat.

step 01 · the hook

9:41

Nemi

online

guys my SIP has been RED for weeks now9:41

like every single day I open the app and it is worse9:41

Tanishq9:41

wait mine too, I stopped checking honestly it stresses me out9:42

mine is also down, but I am not touching mine9:42 ✓✓

how are you this calm, should we all just pause our SIPs until it recovers9:43

honestly, pausing might be the worst move here, let me show you why9:43 ✓✓

step 02 · the guess

Before the answer, take a guess

If Nemi pauses her SIP right now, while the dashboard is red, what does that actually lock in for her?

Tap your guess

👀 The paper loss, and it stops the cheaper buying too. A red dashboard is not money lost yet, it only becomes real if she sells or stops. Step 03 shows exactly what stopping costs her.

step 03 · do the math

Tap each month and watch what a falling price actually buys

Nemi puts in the same ₹2000 every month. Tap each month below to see how many units that same ₹2000 buys as the price per unit, called the NAV, keeps dropping. These are rounded example numbers to show the idea clearly.

Total units Nemi owns 0.0

₹2000 divided by a ₹50 NAV buys exactly 40 units.

A cheaper NAV means the same ₹2000 now buys a few more units than before.

The dashboard looks worse, but the same ₹2000 is quietly buying even more units.

At the reddest point on the dashboard, ₹2000 buys the most units of the whole run.

That is 181.1 units for ₹8000 invested through the dip, instead of 160 units if the price had simply stayed flat the whole time. Twenty one extra units, for the same money, just because the price fell while she kept investing.

try it · your own numbers

Prefilled with Nemi's SIP. Change the amount or the NAV to see your own numbers.

Monthly SIP

₹

Old NAV

New, dipped NAV

Extra units the dip buys you, per month

10.0

That is 10.0 more units than you would have gotten at the old, higher NAV.

step 04 · the concept

A paper loss versus a real one

Tap between the two to see where a red dashboard actually sits.

What the app showsA red number, down from what she put in

Has she actually spent or lost moneyNo, nothing has changed hands

Can it still go back upYes, units are simply worth less right now

This is Nemi's situation today. The number is real, but it is still just a snapshot, not a final result.

What makes it realActually selling the units at today's price

What happens after thatThe loss is locked in, no matter what the price does next

Can it still go back up for herNo, she is no longer holding those units

A loss only turns real the moment someone sells. Everything before that is just a number on a screen.

step 05 · why it matters

What pausing actually costs, in units

Tap between the two choices below, using the same dip from step 03.

Choice

Pause the SIP now

Extra units from the dip

0.0

Pausing does not undo the paper loss already sitting in her account. It only stops her from buying any more units while they are cheap.

step 06 · two ways to react

Tap between Tanishq and Dhvani

Checks the app several times a day and feels worse with every red number.

Wants to pause the SIP just to stop feeling the sting of watching it fall.

Treats every dip as if it is permanent, even the first time it happens.

Ends up making a decision out of stress instead of out of a plan.

Set up the SIP once and does not check it every single day.

Knows a SIP is built to work through dips, not just through good months.

Treats the standing instruction as the plan, and a bad week as just a bad week.

Still free to make a real decision later, just not one made out of panic today.

step 07 · the answer

So, in one line, what does a red SIP dashboard actually mean?

Tap the real answer

the big lesson

Red on the screen is not money lost, it is money not yet sold. Pausing does not undo that number, it only stops the buying that happens while units are cheaper. What happens next is a real decision, not a panic reaction.

join i am b

A new chapter goes up every day

Join the WhatsApp channel so the newest chapter reaches you the moment it drops, no need to come looking for it.

Join the channel

Got a comment, a topic you want explained, a question about the course, or an idea on how we can make i am b better? Email Purvang directly at purvanggandhi@gmail.com.

{{pg}}
your buddy.

Your SIP dashboard has been red for weeks, should you stop it

Before the answer, take a guess

Tap each month and watch what a falling price actually buys

A paper loss versus a real one

What pausing actually costs, in units

Tap between Tanishq and Dhvani

So, in one line, what does a red SIP dashboard actually mean?

A new chapter goes up every day

You may also be interested in