Usually, personal finance advisors suggest gradually lowering equity exposure closer to retirement, but maintaining a portion in good quality stocks or mutual funds can add sheen to the portfolio
If they are able to deliver out performance in actual market conditions, investors may invest more through them
If you do so during a bear phase, you will forgo the benefit of rupee-cost averaging, an important factor in boosting long-term performance
One of the crucial advantages of SIP is that it helps to build the habit of saving and investing simultaneously