The big idea
Your behaviour matters more than your fund. Check monthly, change yearly.
Falls are normal
Equity dips 10% in many years. Bigger falls happen every few years. In 2008 the Nifty fell roughly 60%; in 2020 it fell about 38% and recovered within months. [Confirm figures before citing.]
If you're investing for 15+ years, a crash is ugly on screen but often a sale for your SIP: you buy more units for the same rupees.
Ignore the noise
Tips, Telegram groups, and "this time is different" headlines sell attention. Nobel laureate Eugene Fama said money is like a bar of soap: the more you handle it, the smaller it gets.
Your two routines
Every month (2 minutes)
- Update what you own in the Freedom tracker.
- Save the check-in and watch your freedom date move.
Every year (appraisal month)
- Step up your SIP (often 10%).
- Rebalance toward your target mix.
- Check fund costs (still direct? expense ratio ok?).
- Check goals and insurance cover.
Aman's chapter
Aman's first real crash: portfolio down 25%. He keeps the SIP running. With a better mix and ₹15k/month investing, the tracker shows he could be free around age 52.
He screenshots his six money rules and pins them where he'll see them on panic days.
Your 6 money rules
- Know your number.
- Protect first.
- Start now, automate, step up every year.
- Own the market cheaply.
- Match money to the goal's date.
- Check monthly, change yearly.
Last reviewed: 2026-10-18
Common mistakes
- Stopping SIP when headlines are scary.
- Changing your entire plan every time a new fund tops the chart.
- Checking portfolio value ten times a day.
Do this today
- Save this month's check-in in the Freedom tracker.
- Set two calendar reminders: monthly check-in + yearly review.
- Screenshot your 6 money rules from the Start page when you finish the quiz.
Quick check
Create free account to save progress on all devices.
Stay invested through crashes, check in monthly, improve yearly. That's the whole game.
Path completeSave your monthly check-in