Ajay: SIP closures are rising. Small-caps have fallen 45%. Is investor confidence cracking again?

Srinivas: Most investors aren’t panicking. The new-age Indian investor is more resilient—and more long-term than ever before.

Ajay: Retail investors always buy high and sell low. FOMO, panic—this is how most rolls fall apart.

Srinivas: FOMO and panic lead to wealth transfer— from the impatient to the patient. And the market doesn’t forgive emotional investing.

Ajay: In 2024, IPOs raised ₹1.6 lakh crore. But Srinivas says: “Don’t invest in buzz. Invest like it’s your own business.”

Srinivas: You can’t time the market. You can only respect it. Fundamentals are boring—but they work. Every. Single. Time.

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