HOLD vs INFUSE vs SIP: See Your Advantage

Adjust the SIP amount, infusion amount, and timing to see exactly how much capital deployment gains during corrections.

Starting lump sum
Depth of crash
Long-term average
One-time deployment at -25%
Recurring monthly investment
When does SIP begin?
The Forced Bounce
A 25% crash forces a +X% bounce per year over 2 years to maintain the long-term 12% CAGR. Buying during the crash means owning that bounce on a larger base.
Required Bounce
+0.0%
per year, mathematically

The Three Scenarios With Your Numbers

Portfolio Growth: Three Paths Over 10 Years

💡 Your Scenario Analysis

📚 Companion research & tools

Anchor Paper
The Three Actions Under a Crash
Why mechanism beats willpower. The essay companion to this calculator, with the three-action framework in narrative form. Strategy Lab Paper 5.
Companion Calculator
Crash Recovery Calculator
This tool compares actions in one crash. Crash Recovery compares crash depths for one action.
Calculator
Duration Matters More Than Magnitude
Recovery time, not crash depth, drives long-term IRR. The longer the dip, the more units a SIP accumulates.
Calculator
Volatility: Hope for New Investors
Why corrections gift later entrants an advantage, rupee-cost averaging in motion.
Research Paper
The Forced Bounce
Why a 25% crash forces a 33% recovery. The math behind the bounce-rate stat above.
Research Paper
The Coil Principle™
Unit accumulation during the coil × surge magnitude. Why SIP-through-crash wins.
Research Paper
The Behavior Tax
Why panic-selling and missing best days are the same mistake. Mirror argument: the cost of inaction.
Research Paper
The 50-Day Phenomenon
78% of Nifty's best days fall during drawdowns. Exactly what this tool monetises.
Research Paper
The Valuation STP Framework
7 zones for capital deployment. The systematic version of "infuse during drawdowns."