Don’t stop saving even if the market situation fluctuates The benefit and idea of monthly saving are that you don't need to react to any short-term market fluctuations in any way. However, it is true that for many of those who are not so well versed in the equity market any drops in market prices may make their heart beat faster. Despite this, the poorest alternative for such investors is to redeem their investments at that point.  After major drops, there have usually been considerable rebounds, and if you withdraw your savings before these rebounds, your return as a whole will end up being much lower. You must accept that there is always small fluctuation along the way and be patient enough to pursue your investment activity. When the market is low, you will get more fund units for your monthly savings than in good times.