Why is it risky to wait for a market dip?

Markets are unpredictable. While you wait for a 10% drop, the market could rise by 30%. Even if a 10% drop eventually happens, you would be buying at a level much higher than when you first started waiting.

Does SIP solve the problem of market timing?

Yes. SIP uses 'Rupee Cost Averaging' which automatically buys more units when prices are low and fewer when prices are high, effectively removing the need for an investor to time the market.

What is the opportunity cost of holding cash?

It is the difference between the returns you would have earned in the market versus the low interest earned in a savings account or liquid fund while waiting for an entry point.

SIP Opportunity Cost

Quantify the financial loss of 'waiting for a market dip' versus starting a disciplined monthly SIP today.

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Quick Summary: SIP Opportunity Cost

The SIP Opportunity Cost Calculator demonstrates that 'time in the market' almost always beats 'timing the market'. Waiting for a 10% or 15% dip to start your SIP often results in a significantly smaller final corpus, as the market may rise 20% while you wait, making your 'discounted' entry price still higher than today's price. This tool quantifies the exact wealth lost by sitting on cash in India.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.