The latest Mutual Fund data shows a decrease in SIPs. Ask any IT professional/Banker/Corporate fellow or even an uncle of mine who earns less than 20K and still manages to do SIP. And suddenly the data says people reduced their exposure to mutual fund SIP. So whats up? Some reasons I can think of: 1. FY 2019-20 has seen GDP growth as low as 4.5%. 2. Talk of recession. 3. Mutual Funds as such has n' t exactly done great. Yea FY 2019-20 not great till now in terms of industrial productions, auto numbers, credit availability and inflation. Latest arrow to the heart being Inflation. But look at the index, Nifty hitting 12,128 as I write. Even if the Nifty is up and about, look at the portfolios. Its BLEEDIN!! Many Mutual funds has given below par returns as compared to index. Why? Because general economy is not doing great. The stocks which are moving are the nifty heavy stock like RIL, Hindustan Unilever, Asian Paints, ICICI bank. And those funds which has/had YES...