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 14 years of data.
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 14 years of historical data to produce a single 0-100 score.
We evaluate each sector across multiple dimensions: current PE vs its own 10-year history, forward earnings trajectory, structural macro forces, and news sentiment. A sector gets highlighted only when valuation discount AND fundamentals align.
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.
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, score 70+ delivered +22% median 12M returns with 100% positive outcomes.
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 reach historically unusual levels.
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."
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.
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 low but 12-month returns were great: Sometimes governments push excess liquidity into the system or corporate earnings grow unexpectedly fast. The market rallies even though the score said "wait." When the model derives the score, it looks at current market conditions. It has no way to foresee future policy changes or earnings surprises. Your regular SIP still captures these rallies. You just miss the extra deployment.
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.