SIPs fail quietly: overlapping ETFs, ignored fees, paused contributions, and account priority errors. Use this as a review checklist.
- Chasing last year’s top fund for the next SIP.
- Skipping employer match while buying speculative stocks.
- Running 10 overlapping global ETFs.
- Stopping buys in drawdowns without a cash emergency.
- Ignoring contribution limits until the refund/penalty arrives.
- Rebalancing weekly in taxable accounts.
Conclusion
A good SIP is a short policy document you follow. Fix process errors before you hunt for a smarter ticker.