5 practical hacks to survive a market crash!


We are living through a few such weeks which may come to define this decade. And it may continue for some time till a concentrated response is put up against COVID-19. We, at Kuvera, are here to standby and answer your investment-related concerns.


These are extraordinary times and while markets have retraced 20% or more many times before, the speed with which this retracement has happened is a first. It took S&P 500 a mere 16 sessions to drawdown 20% and enter the bear market territory. Global markets are spooked and so are the Indian equity market. However, as we have seen many times before, human and economic resilience is immense and sooner or later markets do bounce back to reflect the constant march of progress.


Surprisingly for an individual investor, what works in peacetime also works in times of distress. I started working and investing during the cot com bubble and was trading CDS during the great financial crisis. Below are 5 lessons I have learnt to keep one’s personal investing simple. Simplicity matters, because just as in dieting, it is better to follow a diet you can follow for decades than one that requires extraordinary effort for immediate but fleeting benefits.


Let’s start with the biggest one. What should an investor do now?

Here is a quick list of practical advice we have learned by living through the dot com bust and the great financial crisis.

No gyan only simple actionable steps.


1/ Stick to your asset allocation and rebalance if it gets off by 5%. We will send reminders when that happens. In a crash, you will sell your debt and add equity. It may appear counter-intuitive but it is not. You are buying more equity as it falls.


2/ Track your wealth and not just your portfolio. The average Mutual Fund account on Kuvera is worth Rs 10.6 lakhs. The average EPF account is Rs 10.4 lakhs and the average gold account is Rs 6.2 lakhs. At a wealth level, last months ~20% decline in Equity Mutual Funds is still only a 5% decline in average wealth as gold has rallied.


3/ Postpone all decisions by 2 days. Say you are itching to buy or sell or stop a SIP or increase your SIP. Write the decision down and revisit it in two days. You will make better decisions.


4/ Check your wealth once a week. Yes, that’s right. The more you check the more you will think you need to do something. Anything. Inaction is not our strength.


5/ If you have itchy hands, buy Rs 100 in any index fund. Always buy, always make it a trivial amount. This is my personal favourite. It satisfies my urge to take action without making any difference to my long term outcomes.


And that’s it. 5 actionable steps.


If you have learnings you want to share, write to me. We will consolidate and publish it for everyone’s benefit.


Happy investing.

Gaurav | CEO | kuvera.in

73 Responses

  • Rajnish Chopda

    March 12, 2020 AT 08:29

    I think this is the best time start and keep continue our existing Sips as this is the time from where SIP returns are boosted and we get benefit of ups and down of market. Market shows increasing upward trend since its launch or time we consider. It moves ups and down in increasing trend.

    I am keeping my existing portfolio as it is and may increase SIP or move towards Mid And Small Funds as I always wanted to start SIP for 10 to 15 year period. There was buzz around market small and Mid caps are highly valued. Now this is the time it has break that market perceptions.

  • Mridul Chadha

    March 13, 2020 AT 08:07

    I treat this correction as a blessing. I have seen people make extremely attractive gains when they stayed invested in mutual funds during the 2008 crash. I follow a general rule of investing a small incremental amount (in addition to SIPs) in existing mutual funds whenever indices fall by over 1%. I invested 50% more in last 30 days than my usual monthly SIPs.


    March 14, 2020 AT 07:18

    Sir I want to invest 1lac lump sum in axis blue chip fund & 60lac in axis long term equity fund, is it right time to invest. Please suggest.

    • Gaurav Rastogi

      March 19, 2020 AT 01:59

      The absolutely right time will only be known in hindsight. Just remember you are getting the same funds 30-35% below recent peaks.

  • Rohan Acharya

    March 17, 2020 AT 04:10

    Yesterday I invested in 3 Conservative Hybrid. And as the markets are down every asset decreased significantly. Today I am regretting my decision of investing. What should I do?

    • Gaurav Rastogi

      March 19, 2020 AT 01:58

      Don’t regret. Stick to your asset allocation.

    • Waliyoddin Ahemad

      March 25, 2020 AT 18:27

      First of all do not regret on your decision as in market you will see ups and down. If you have invested after proper analysis you will be rewarded with good return in future. Try to invest as SIP instead of lumpsum as nobody knows how much more market will go down.

  • Abraham

    March 17, 2020 AT 06:47

    When ll market gets support line. am waiting for it. Dont know how deep it goes. Its beyond my thing. i have only investment that too in kuvera. am afraid now.

    • Gaurav Rastogi

      March 19, 2020 AT 01:58

      Hard to predict support line. The only thing we can control is our behaviour.

  • Sumit

    March 18, 2020 AT 12:11

    #3 n #5 👌👌👍

    • Gaurav Rastogi

      March 19, 2020 AT 01:57

      Thanks Sumit

  • SP

    March 20, 2020 AT 03:27

    Hey Gaurav, when you say sell your debt and buy equity in your first point do you mean that one should liquidate their debt funds and invest the same in equity?

    Pardon my poor comprehensive skills.

    • Gaurav Rastogi

      March 23, 2020 AT 07:55

      No, say you are 50:50 debt: equity. When the market crashes you will move to say 80:20 debt: equity. So you sell enough debt and buy equity so that your asset allocation goes back to 50:50.

  • Vinod Kulkarni

    March 21, 2020 AT 17:18

    Hi Kuvera Team, any chance that Kuvera platform will have options for investment in stocks. Many mutual fund platforms are coming out with direct equity options,

    • Gaurav Rastogi

      March 23, 2020 AT 07:54

      We are working on it.

  • Chandrasekar

    March 21, 2020 AT 17:37

    I am just started investing. So the sudden collapse in market didn’t affect me., In case in future if I have a surplus amount in mutual funds portfolios, what could I do during market crash?

    • Gaurav Rastogi

      March 23, 2020 AT 07:54

      Invest it based on your asset allocation.

    • Praveen GUPTA

      June 21, 2020 AT 15:26

      Which are 5 fundamentally strong companies share to invest for long term , preferably from the sectors likely to do well in long term

  • Aniket

    March 21, 2020 AT 19:59

    Every time the market fell 1% from the previous day, I added 1% to my portfolio. In the 30% correction, I have allocated 50% of my targeted MF investments already and sitting on 50% cash, as the virus still has no defined solution and I am expecting another fall of Nifty at 7000 and 6500 – 6000. That’s when il be staggering in, the remaining 50%. While i understand that i can neither can the top or bottom accurately, but I can make it close to it, right? If there’s no fall…big deal, I invested 50% at quite a value 🙂 nice article thou.

    • Gaurav Rastogi

      April 16, 2020 AT 01:25

      As long as you have a plan and you are sticking by it, you are doing well.

  • Natasha

    March 22, 2020 AT 05:19

    I have just joined Kuvera. My suggested asset allocation is almost 50% debt, 50% equity. So should I consider investing more in equity as suggested in the article above?

    • Gaurav Rastogi

      March 23, 2020 AT 07:53

      No, stick to your asset allocation. If it moves away from 50:50 then bring it back to 50:50

      • Abhay Dhuwe

        April 4, 2020 AT 16:37

        Hello Kuvera team, i want to invest 50 thousand SIP per month, what do you suggest, should i invest in one index fund or and mutual fund, i need to have this money after 4 years.

        • Gaurav Rastogi

          April 9, 2020 AT 13:53

          Please add a 4-year goal and we will advise on a risk-appropriate portfolio for you.

  • Amit Joshi

    March 24, 2020 AT 06:49

    Hey Gaurav, I started as a noob in the mutual fund investments hence decided to purchase 10 funds at the same time. My question is; if this is the right time to consolidate my existing portfolio to say, 3-4 funds?

    • Gaurav Rastogi

      April 16, 2020 AT 01:41

      Yes Amit, this is the perfect time to consolidate your portfolio to 3-4 funds, preferably index funds.

  • Rushina Bhatt

    March 24, 2020 AT 11:54

    Is it right time to sell debt or liquid fund and invest in equity?

    • Gaurav Rastogi

      April 16, 2020 AT 01:40

      You should sell debt and buy equity to rebalance to your earlier asset allocation.

  • Waliyoddin Ahemad

    March 25, 2020 AT 18:22

    Is it advisable to investigate lumpsum in 1-2 Small cap fund in current market situation or wait for market recovery to start than purchase lumpsum or start new SIP

    • Gaurav Rastogi

      April 9, 2020 AT 13:58

      We do not recommend small caps. But if your risk appetite allows, you can start now.

  • Harry

    March 26, 2020 AT 00:39

    Rebalancing has tax implication. So, thinking of investing in hybrid aggressive fund. Whether my understanding is correct?

  • Ravindra Samariya

    March 31, 2020 AT 21:41

    Sir, Please add NPS Tracking Option in Kuber like EPF Tracking.
    Thank You

    Ravindra Samariya

    • Gaurav Rastogi

      April 9, 2020 AT 13:55

      Will come soon.

  • Kalpataru Bandopadhyay

    April 3, 2020 AT 15:59

    Do you suggest to invest aggressively during bear phase?

    • Gaurav Rastogi

      April 9, 2020 AT 13:54

      If your risk appetite allows, yes. It is def better than being aggressive in the bull phase.

  • Muralidhar

    April 4, 2020 AT 11:49

    I have some SIPs with Kuvera… Most of them are getting negative due to current crisis.. Hope it is OK to continue or they need to be rebalanced

    • Gaurav Rastogi

      April 9, 2020 AT 13:54

      Please continue the SIP. Please rebalance the existing portfolio.

  • Aniket

    April 7, 2020 AT 10:51


  • Sunil kumar Gupta

    April 7, 2020 AT 11:08

    I think this is the best time to start in MF for all the new players in the market and for the existing portfolio holders keep on continuing with your SIP…. definitely market will bounce back have faith and one more suggestion even you have some extra money to invest go for pharmaceuticals it will give better results in near term

  • Gaurav

    April 8, 2020 AT 07:57

    Hi Gaurav, adding more unites to your current SIP’s sounds like a temptation however you stay firm on continue to investing in your asset allocation, so one should not try to look into index funds or other asset classes?

  • Amit

    April 9, 2020 AT 09:05

    If selling the debts is what you are suggesting, Should one also cash out money invested in save-smart?

    • Amit

      April 9, 2020 AT 09:08

      Also the asset allocation suggested by the app is 88:12 debt:equity. I am worried should I even start with this? Given I have plans for stuff in 1y and 2y timeframe. If things go south, it might take longer than a year for market to get back where it is now.

  • Vishesh kapoor

    April 14, 2020 AT 10:16

    Great post
    My asset allocation is 100% equity and I even though I saw a huge drop 2 weeks back (20%) ,kept my cool . Observed 10% recovery within a week, going to keep it that way

    • Gaurav Rastogi

      April 16, 2020 AT 01:23

      Great to hear, kudos to you. We have seen a very mature reaction to the crash from investors.

  • Varun Shenoy

    April 15, 2020 AT 21:19

    Hi Gaurav,

    It would be helpful for beginners to have a brief description of what each fund type means. For example, I’m not exactly sure what is a Gilt fund, Long Duration, Short Duration, Overnight etc. So would be helpful to have that info on Kuvera itself against each fund, instead of having to google it.

  • Chetna Shoor

    April 15, 2020 AT 22:26

    Please advice me on my investment.. Am I investing in right way or need some corrections..

  • Pinaki Mukherjee

    April 18, 2020 AT 07:04

    Gaurav, thanks for the tips!!..Specially #3 and #4 are the right fundamental practice everyone should follow.
    Btw, one query, is there an Ideal SIP date you think that can matter in the long tem(5 years or more) investment?


    • Gaurav Rastogi

      April 21, 2020 AT 13:38

      Hello Pinaki, there is no ideal SIP date. One date is as good as the other.

  • Abhishek Gupta

    April 18, 2020 AT 13:35

    Hi Gaurav, I joined Kuvera 9 months back and made 3-4 friends as well later. Its a great platform, simple and complete. I have 7 SIP’s as they all have different timelines in 4 Funds, Do you think it’s fine?, Invesco India Contra ,Kotak Standard Multicap,Mirae Asset Emerging Bluechip,Mirae Asset Large Cap (20k Each on average in all 4)

    • Gaurav Rastogi

      April 21, 2020 AT 03:58

      Great, keep investing.

    • Mayank Kumar Tyagi

      April 21, 2020 AT 08:12

      All the mentioned funds in your portfolio are very good Mutual Funds.Great going 🙂

  • Asish

    April 23, 2020 AT 13:24

    i have just invested Rs 50000/- in ICICI Prudential Regular Gold Saving Growth Direct Plan .
    i have also invested Rs 50000/- in Kotak Gold Growth Direct Plan now.
    are these funds good in the present time.

  • alok sharma

    April 29, 2020 AT 00:28

    Hi, sir,
    Please help me
    I have a kuvera app. I have purchased sip for hdfc small cap direct plan , but problem is this , I had paid last 16 month sip of 1000. But showing the fund value only one month sip amount.
    I have also cams app. They showing all amount of 16 month sip.
    Please help me it is technical issue.

    • Gaurav Rastogi

      April 29, 2020 AT 10:49

      Could you please email support@kuvera.in Alok?

      Seems like you haven’t imported your external portfolio in some time on Kuvera. If so, can you please do that from the “Import Portfolio” tab.

  • Ravi Shankar

    April 30, 2020 AT 18:38

    hi gaurav thanks for writing this masterpiece, I remember I had the privilege to speak to you couple of times when I started my investments on your portal way back in 2018, my portfolio has degrown to approx 20percent even after did sip as well as STP, since you have worked in equity do you think a stop loss should be kept even for mutual funds portfolio to protect the capital, today I feel if I had invested my funds way back in 2018 with FDR’s I would have already grown by 7-8 % post TDs, but today I am on a capital loss of 20 Percent please share your views thanks Ravi Shankar

  • Anupam Chandak

    May 29, 2020 AT 06:57

    Hello Gaurav – The way Kuvera has option to import EPF, any plans to have similar option for NPS?

    • Gaurav Rastogi

      May 30, 2020 AT 12:35

      We will have one soon Anupam.

  • Sujoy

    July 8, 2020 AT 18:27

    Hello Gaurav, I am investing through kuvera since last one year. I have lots of ‘mutual funds in my portfolio and now want to trim it. What is the right procedure of shifting non performing to a good fund. For example I have UTI MNC but I dont want to continue with sectoral fund.This fund value is approx 1.2 Lacs. Now I want to shift it to Axis Bluechip. Then how should I execute this. Should I redeem in full and invest in new fund or shall I systematically transfer, say 10 redeems and 10 investments. Pls suggest. Thanks Sujoy

  • Nare

    July 9, 2020 AT 17:17

    Hi Kuvera Team,
    I am planning to invest in MF thorough SIP and would like to know which is the top performing mutual fund and how long is best way to keep invest in SIP
    Please advise as I am new to MF

  • Amol vyas

    July 13, 2020 AT 07:44

    Hi Gaurav ji, i want to invest around rs. 50,000/- each in Axis banking & psu fund and nippon or other pharma fund, is it good time for this investment??

    • Gaurav Rastogi

      July 13, 2020 AT 14:22

      In general, we do not recommend sector funds. They are incredibly hard to time correctly.

  • Swaminathan Subramaniam

    July 16, 2020 AT 08:14

    Another – Buy uncorrelated assets, e.g. equity and gold, growth stocks and defensives; sell what is up (if you need the money) and buy more of what is down (using a portion of the money you made when you sold). Over time, you will do well.

  • Chandrashekar Satapute

    October 4, 2020 AT 07:27

    Hello sir
    I am Chandrashekar
    I want invest Rs. 15000/-
    But I am in confusion and I am useing first time this app and I am a beginner in this field so please let me know how to invest or please suggest me.
    Thank you

  • Manoj

    February 10, 2021 AT 08:49

    I have 16 MFs in my portfolio. I want to consolidate and reduce the count. Will Kuvera has any consultant for these kind of services?

  • Shobith Shetty

    June 5, 2021 AT 04:06

    Often I read a lot of such articles online and they are always the same generic ones but reading this one and some of the tips especially the one about investing 100 Rs it felt like it came straight from the heart and something that really makes sense 🙂 Really happy to have read this article!

  • L R Iyer

    June 7, 2021 AT 05:13

    Good tips. Will try to follow and observe results. I think market is too much heating up due to excess liquidity and without fundamentals. So it’s time to apply your tips