# Stopping a SIP early can lose you its real benefit, data shows 2026-08-10T08:55:51+00:00 | Business & Economy | Indian Opinion Desk Corroboration: 1 independent outlet The number of long-running systematic investment plans (SIPs) in direct plans fell sharply in FY26. Five-year-plus SIPs declined about 35%, while three-to-four-year SIPs dropped 56%, according to industry data. The SIP closure ratio, discontinued accounts as a percentage of new ones, averaged 96% in the first quarter of FY27. Experts say do-it-yourself investors are quitting SIPs without giving them enough time. Rolling return analysis from 2005 shows the odds of losing money shrink sharply over longer holding periods. For the Nifty 50, 14.2% of two-year SIPs ended negative, but zero at seven years. A pause of six months delays a 17-year goal by less than five months, leaving compounding intact. ## Coverage - livemint.com Tags: investor behavior, mutual funds, Nifty 50, rolling returns, SIP Canonical: https://indianopinion.org/stopping-a-sip-early-can-lose-you-its-real-benefit-data-shows/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/stopping-a-sip-early-can-lose-you-its-real-benefit-data-shows/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes.