{"id":41891,"date":"2026-07-31T11:00:33","date_gmt":"2026-07-31T05:30:33","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=41891"},"modified":"2026-07-30T20:01:41","modified_gmt":"2026-07-30T14:31:41","slug":"what-are-practical-steps-to-assess-risk-and-set-a-plan-when-markets-are-down-for-mutual-funds","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/what-are-practical-steps-to-assess-risk-and-set-a-plan-when-markets-are-down-for-mutual-funds\/","title":{"rendered":"What are practical steps to assess risk and set a plan when markets are down for mutual funds?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-6a6c91cb10016\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-6a6c91cb10016\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/what-are-practical-steps-to-assess-risk-and-set-a-plan-when-markets-are-down-for-mutual-funds\/#first_understand_why_the_fund_is_down\" title=\"first, understand why the fund is down\">first, understand why the fund is down<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/what-are-practical-steps-to-assess-risk-and-set-a-plan-when-markets-are-down-for-mutual-funds\/#review_the_portfolio_not_just_the_losses\" title=\"review the portfolio. not just the losses\">review the portfolio. not just the losses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/what-are-practical-steps-to-assess-risk-and-set-a-plan-when-markets-are-down-for-mutual-funds\/#what_sip_does_and_does_not_do\" title=\"what sip does and does not do\">what sip does and does not do<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/what-are-practical-steps-to-assess-risk-and-set-a-plan-when-markets-are-down-for-mutual-funds\/#a_framework_for_decision-making\" title=\"a framework for decision-making\">a framework for decision-making<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/what-are-practical-steps-to-assess-risk-and-set-a-plan-when-markets-are-down-for-mutual-funds\/#what_to_avoid\" title=\"what to avoid\">what to avoid<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/what-are-practical-steps-to-assess-risk-and-set-a-plan-when-markets-are-down-for-mutual-funds\/#long-term_perspective\" title=\"long-term perspective\">long-term perspective<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/what-are-practical-steps-to-assess-risk-and-set-a-plan-when-markets-are-down-for-mutual-funds\/#frequently_asked_questions\" title=\"frequently asked questions\">frequently asked questions<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">seeing the portfolio in the red is uncomfortable. that is normal. but reacting to discomfort with hasty decisions is not a strategy.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">market corrections are a normal part of investing, not a sign that something has gone wrong. a 10% correction has happened roughly every 10 months over the past two decades . the question is not whether markets will fall. the question is what to do when they do.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">here is a practical approach.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"first_understand_why_the_fund_is_down\"><\/span><strong><span class=\"\">first, understand why the fund is down<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">before deciding anything, figure out what is causing the decline\u00a0<\/span><span class=\"\">. the response depends on the cause.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">check the benchmark.<\/span><\/strong><span class=\"\">\u00a0if the benchmark (say, nifty 50) is down 12% and the fund is down 11%, that is a market problem, not a fund problem . the fund is doing its job reasonably well in a bad environment.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">if the benchmark is down 12% and the fund is down 22%<\/span><\/strong><span class=\"\">, that is a different conversation. that suggests something specific to the fund. overconcentration in a sector. a bad stock call. high exposure to small-caps in a large-cap bear phase\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">knowing why the fund is down changes what the right response looks like.<\/span><\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"review_the_portfolio_not_just_the_losses\"><\/span><strong><span class=\"\">review the portfolio. not just the losses<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">a correction is a useful time to review what the portfolio actually holds.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">diversification check.<\/span><\/strong><span class=\"\">\u00a0if every fund is in the same category, all large-cap or all thematic, then a downturn hits every rupee simultaneously\u00a0<\/span><span class=\"\">. debt funds and liquid funds do not fall when equity markets correct. having some allocation there provides a buffer.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">concentration risk.<\/span><\/strong><span class=\"\">\u00a0mutual funds have reduced cash holdings to a multi-year low of 4% . that suggests fund managers are deploying capital. but it also means the portfolio is fully exposed to market movements.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">check stress test results.<\/span><\/strong><span class=\"\">\u00a0sebi has mandated stress tests for mutual funds, especially small-cap and mid-cap funds. these tests show how long a fund would take to liquidate holdings during a crisis. some small-cap funds could take up to 22 days to sell 50% of their holdings . this matters if liquidity is a concern.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"what_sip_does_and_does_not_do\"><\/span><strong><span class=\"\">what sip does and does not do<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">sips reduce entry-timing risk. they do not eliminate market risk\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">what sip does.<\/span><\/strong><span class=\"\">\u00a0spreads investment over time. buys more units when prices are low. fewer when prices are high. this works in volatile markets.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">what sip does not do.<\/span><\/strong><span class=\"\">\u00a0it does not protect against expensive valuations. if an investor continues investing in segments trading at stretched valuations, long-term return potential may still be lower despite disciplined investing\u00a0<\/span><span class=\"\">. it does not protect against concentration risk. multiple sips in overlapping funds are still concentrated. it does not reduce liquidity risk. the investment route does not alter the liquidity profile of the portfolio\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">continuing sips through a correction is arithmetic.<\/span><\/strong><span class=\"\">\u00a0markets in correction are markets on sale. every unit bought during a downturn is bought at a lower price than units bought before the fall. when the market recovers, those units appreciate faster\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"a_framework_for_decision-making\"><\/span><strong><span class=\"\">a framework for decision-making<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"ds-scroll-area ds-scroll-area--show-on-focus-within ds-scroll-area--enabled _1210dd7 c03cafe9\">\n<table>\n<thead>\n<tr>\n<th><span class=\"\">question<\/span><\/th>\n<th><span class=\"\">what to do<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span class=\"\">is the fund down because the market is down<\/span><\/td>\n<td><span class=\"\">continue sip. do nothing.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span class=\"\">is the fund consistently underperforming its benchmark and peers<\/span><\/td>\n<td><span class=\"\">investigate further. consider switching.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span class=\"\">is the portfolio concentrated in one sector or theme<\/span><\/td>\n<td><span class=\"\">trim and reallocate to diversified funds<\/span><\/td>\n<\/tr>\n<tr>\n<td><span class=\"\">is the investment horizon more than 5 years<\/span><\/td>\n<td><span class=\"\">short-term volatility does not matter<\/span><\/td>\n<\/tr>\n<tr>\n<td><span class=\"\">is the investment horizon less than 3 years<\/span><\/td>\n<td><span class=\"\">equity may not be the right choice<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"what_to_avoid\"><\/span><strong><span class=\"\">what to avoid<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">panic selling.<\/span><\/strong><span class=\"\">\u00a0this is the single most effective way to convert a temporary, paper loss into a permanent, real one . when you sell during a correction, you crystallize whatever loss has accumulated. the market then recovers, and you have missed the recovery while sitting in cash\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">stopping sips.<\/span><\/strong><span class=\"\">\u00a0this is almost precisely backwards. investors who pause and restart after markets have recovered miss the cheapest units entirely\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">chasing the cyclical best funds.<\/span><\/strong><span class=\"\">\u00a0the top funds of today may not remain at the top . consistency across market cycles matters more than flashy returns in a single period.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"long-term_perspective\"><\/span><strong><span class=\"\">long-term perspective<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">if the investment horizon is seven years or more, the chances of negative returns become zero based on historical nifty 50 performance . returns above 10% become 80-84% likely .<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">the 25% rule.<\/span><\/strong><span class=\"\">\u00a0if a fund falls 25%, it needs to rise 33% to recover . if it falls 50%, it needs 100% recovery. protecting against large losses matters more than chasing high returns.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"frequently_asked_questions\"><\/span><strong><span class=\"\">frequently asked questions<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">1. should sips be stopped during market corrections ?<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">no. continuing sips during corrections buys more units at lower prices. this is how rupee-cost averaging works. stopping at the bottom is a mistake.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">2. how to identify if a fund is underperforming or the market is down ?<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">compare the fund&#8217;s return with its benchmark and category peers. if the fund is down in line with the market, it is a market issue. if it is down significantly more, investigate further.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">3. what is a stress test and why does it matter ?<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">sebi mandates stress tests for mutual funds, especially small and mid-cap funds. they show how long a fund would take to sell holdings during a crisis. this matters for liquidity risk.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">4. when is the right time to switch funds ?<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">switching is worth considering if a fund consistently underperforms its benchmark and category peers over several years, not just a few months. factor in exit loads and tax implications.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">5. how often should the portfolio be reviewed ?<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">once or twice a year is sufficient for most investors. a market correction is a reasonable time to review. but decisions should be based on the fund&#8217;s long-term track record, not short-term price movement.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>seeing the portfolio in the red is uncomfortable. that is normal. but reacting to discomfort with hasty decisions is not a strategy. market corrections are a normal part of investing, not a sign that something has gone wrong. a 10% correction has happened roughly every 10 months over the past two decades . the question [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/what-are-practical-steps-to-assess-risk-and-set-a-plan-when-markets-are-down-for-mutual-funds\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":41,"featured_media":41775,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false},"categories":[822],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin 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