Both put in 360000.
Read the units column.
Same monthly SIP, same fund, same 36 months, same price on the day they sold. The only difference is what each one did when the price fell 40 percent and crawled back.
| Same 360000 in |
Units |
Avg cost |
Ended |
| Kept the SIP running through the fall | 3936 | 91.46 | 472344 |
| Paused the fall . redeployed once calm | 3607 | 99.80 | 432872 |
| The gap | 329 | 8.34 | 39471 |
The one who held his nerve bought 1129 units during the eight ugly months at an average price near 71, while the screen said 100 on the way in. The pauser sat that window out, then put the same cash back to work after the recovery at 99.80 a unit. Same rupees. He just bought them all at full price. That is 329 units he will never own, worth 39471 at the end.