When you have surplus money (bonus, RSU vesting, savings) you face one question: should I invest extra now or wait? SIPshift answers using multiple market signals distilled into one number (Shift Score) backed by over a decade of data.
No. Keep your SIP running exactly as-is. SIPshift is for deploying additional capital on top: bonuses, savings, idle cash. Your regular SIP continues regardless of the score.
Check before deploying any surplus. The score updates daily on trading days. You can also subscribe to email alerts so you only get notified when conditions shift meaningfully.
The Shift Score uses a proprietary multi-factor model that evaluates market conditions across valuation, volatility, price corrections, and trend dimensions. Multiple signals are ranked against historical data to produce a single 0-100 score.
The score reflects current market conditions which naturally change every day. The underlying factors (valuation, fear, momentum) shift as markets trade. However, small movements within the same zone (e.g. 48 to 52) do not change your suggested action.
Think of it this way: the score captures where the market stands on multiple dimensions. Markets don't react linearly or immediately to these factors. A score of 52 isn't meaningfully different from 48 because the market conditions driving both are broadly similar. What matters is whether you're in the Average zone, or whether conditions have shifted enough to move you into Attractive or below.
What to do: Focus on the zone name (Average, Attractive, Very attractive) not the exact number. Act when the zone changes, not on daily fluctuations within a zone.
No. Never. Shift Score only shows how attractive conditions are for investing extra. A low score means "patience may be rewarded." A high score means "historically, investing here delivered strong 12M outcomes."
Short-term dips are normal and expected. The Shift Score identifies when you're buying at relatively discounted levels. It doesn't predict next week. The edge shows over 12+ months. In our backtest, higher score zones delivered significantly better 12-month returns.
The Shift Score looks at historical patterns to estimate 12-month returns. It cannot predict the future.
Score was high but 12-month returns were poor: If an unexpected event happens (war, pandemic, global crisis), markets can fall regardless of how attractive conditions looked. No model can foresee events that haven't happened before. This is why we never suggest deploying 100% at once.
Score was in Below Average zone but 12-month returns were decent: The score measures India's valuation and momentum. But markets can also rally due to global factors like foreign money rushing in (dollar weakening, Fed printing money) or unexpected earnings growth. Our Market Insights page tracks these global forces separately so you can see the full picture and make better informed decisions.
We show each sector's current valuation relative to its own 10-year history. A sector showing as "cheap" means its PE is lower than most of its own past. This is context for your research, not a buy recommendation. Cheap sectors can stay cheap if earnings are declining.
Sector indices give you diversified exposure without single-stock risk. You choose which index fund or ETF to use. We don't recommend specific funds or earn commissions.
Market Insights tracks global conditions that influence foreign money flows into India (dollar strength, oil prices, global liquidity, etc). These factors don't directly affect the Shift Score but tell you whether the broader environment is supportive. When both the score and global conditions are favourable, returns have historically been stronger.
SIPshift provides market data, analysis, and educational insights using publicly available information. We do not recommend specific stocks or mutual funds. Investment decisions are yours.