Maximise gain from market fall with value-averaging plan: Experts

The plain-vanilla SIP, however, is simple and doesn't require a lump sum

Mutual fund (MF) investors are often unable to derive the full benefit of the returns their funds generate owing to their behavioural biases. Many of them enter the markets amid a bull run, when valuations are expensive, because of the FOMO (fear of missing out) factor. When the markets inevitably correct and stay low for some time, they turn fearful and despondent, and ultimately exit. A recent Morningstar study says equity investors have earned between 2.17 and 21.8 percentage points less over five-year spans across different equity fund categories due to their tendency to enter and exit at the wrong