⚡ 2008 GFC, Covid Shock & Sequence-of-Returns Engine

SIP Market Crash Stress-Tester
Exposing the Linear Return Fallacy.

Markets never go up in a smooth 12% straight line. Test how your portfolio withstands 2008-style collapses, Covid V-Shapes, and Late-Horizons Shocks.

⚙️ Stress-Test Controls

₹
₹500 ₹50,000 ₹1,00,000 ₹2,00,000
Yrs
5 Yrs 15 Yrs 25 Yrs 35 Yrs
%
8% (Conservative) 12% (Nifty Index) 15% (Aggressive)
%
0% (Flat) 10% (Top-Up) 20%
Total Capital Deployed
₹38,13,000
Principal Invested
2008 GFC Scenario
₹51,33,794
V-Shape Recovery
Late Crash Disaster
₹31,89,551
Crash at Horizon End
Stagflation / Flat
₹44,12,890
Lost 5-Year Decade
🧠 Sequence-of-Returns Crisis Insights

Why Sequence of Returns Risk (SORR) Ruins Unprepared Retirees

When you begin investing in Year 1, a 40% market crash is a massive blessing: your monthly SIP buys units at bargain discount prices. But when that exact same 40% crash strikes in Year 19 of a 20-year SIP, your accumulated corpus of ₹2 Crore instantly drops to ₹1.2 Crore!

The Fiduciary Safeguard: Never leave 100% of your money in equities as you approach your goal date. Initiate a Systematic Transfer Plan (STP) 2 to 3 years prior to gradually glide profits into ultra-safe liquid debt funds.

Frequently Asked Questions on Market Crashes & SIPs

What financial history teaches us about bear markets, bull runs, and rupee cost averaging.