Flip the cashflow, flip the lesson
For the investor still paying in, the early crash is the gift
A plain SIP, one lakh a year, through the same ten years. Meet the crash early on a small pot and you buy cheap for years. Meet it late on a big pot and the fall does the damage.
Crash early and the SIP ends near 25 lakh on 10 lakh paid in. Crash late and it ends near 11 lakh. Same money, same market, same average, order reversed.