Home bias is common: your salary, house, and pension may already be tied to the domestic economy. A global equity SIP can diversify that concentrated life exposure.
Intentional vs accidental bias
| Pattern | Intentional? | Action |
|---|---|---|
| Global cap-weighted core | Yes | Hold and contribute |
| 100% domestic because ‘I know it’ | Often no | Add international sleeve |
| Domestic tilt for tax quirks | Maybe | Document the reason |
| Chasing last year’s hottest country | No | Avoid |
Conclusion
Make home bias a written choice, not a default. A global SIP core keeps your career geography from becoming your entire investment geography.