- SIP investors face short-term losses due to Iran conflict-driven global volatility
- Experts advise building SIP portfolios with simplicity, domestic resilience, and strength
- Recommended funds include flexi-cap, large-cap, index, healthcare, PSU, banking, and energy
SIP investors are staring at negative short-term returns as the Iran conflict fuels global volatility. But market experts say this is not the time to pause. It is the time to be selective and disciplined.
Two market voices point to a clear pattern for 2026 -- build SIP portfolios around simplicity, domestic resilience, and sectoral strength rather than chasing short-term gains.
Siddharth Maurya of Vibhavangal Anukulkara advises new investors to stick to a simple three-fund structure: one flexi-cap, one large-cap or index fund. The idea is stability, diversification, and time in the market. He says flexi-cap funds have delivered 18-27 per cent average returns over five years, showing the power of staying invested.
Pranav Koomar of PlusCash, meanwhile, is tilting SIP allocations towards healthcare, PSUs, banking and even energy for investors with higher risk appetite. His logic is simple -- domestic demand, government capex, and strong bank balance sheets can outlast global shocks.
Here are the funds both experts recommend for SIPs in 2026:
| Fund | Category | Why It Fits SIP Portfolios |
| Parag Parikh Flexi Cap Fund | Flexi-cap | Diversified across market caps; consistent long-term record |
| HDFC Flexi Cap Fund | Flexi-cap | Flexibility to navigate volatility across sectors |
| ICICI Prudential Large Cap Fund | Large-cap | Stability through blue-chip exposure |
| Nippon India Large Cap Fund | Large-cap | Predictable performance in volatile markets |
| UTI Nifty 50 Index Fund | Index | Low-cost, market-matching, steady approach |
| Mirae Asset Healthcare Fund | Healthcare | Structural domestic demand, long-term compounding |
| SBI PSU Fund | PSU | Riding government capex and policy push |
| Mirae Asset Banking and Financial Services Fund | Banking | Strong bank balance sheets, credit growth |
| Nippon India Banking Fund | Banking | Focused play on financial sector momentum |
| DSP Natural Resources and Energy Opportunities Fund | Energy/Natural resources | For risk-takers betting on prolonged energy cycle |
Key Takeaways For SIP Investors
- 2-3 funds are enough for most new investors
- Focus on time in market, not timing the market
- Domestic themes may outperform global noise
- Sector funds can be added in moderation for higher return potential
- Minimum 5-7 year horizon is critical
(Disclaimer: Mutual fund investments are subject to market risks. Investors should consult a financial advisor before making investment decisions.)
