A systematic investment plan (SIP) in a mutual fund has some unique advantages. For example, it gives you the benefit of rupee cost averaging and this is instrumental in reducing your overall cost of acquiring units. Secondly, when markets are down you get more units and when markets are up the NAV of your fund goes up. Either ways you stand to benefit. Thirdly, you are able to synchronize your investments with your regular income and thus wealth creation is smoother. Having understood what a SIP is all about, it is also important to understand whether you should continue the SIP through all kinds of markets or probably wait on the sidelines.You can use a SIP calculator to help you make this decision by estimating your returns under different market conditions. Remember, your SIP is a passive approach to letting quality equities and the power of compounding work in your favour. Hence technically, your SIP should continue irrespective of whether the markets are up, down or sideways.

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