A report by NJ Wealth showed that SIP investors lost money in 78 out of 137 equity mutual fund schemes which gave negative returns in the last two years. While the average return stood at 1.5% negative in last 2 years, mid and small-cap funds lost 6%. Large-cap funds managed to return a meagre 1.5% gains. In December 2018, inflows through SIPs touched an all-time high of Rs 8,022 crore, a four-fold jump from Rs 1,916 crore in March 2015. Distributors advised investors to continue with their SIPs and not worry as downturns help accumulate a higher number of units.