Yes, you can invest during a recession—provided you have a long-term financial plan and a solid emergency fund in place. Recessions often push market valuations lower, creating opportunities for long-term investors to buy quality assets at attractive prices. Historically, markets have always recovered from downturns, and investors who stayed invested—or continued their SIPs—benefited the most during the recovery phase.

Before investing during a recession, consider:

• Your Financial Stability: Ensure you have 6–12 months of emergency funds.
• Your Time Horizon: Equity investments work best for goals that are 5+ years away.
• Your Risk Profile: Volatility may be higher during recessions.
• Diversification: A mix of equity, debt, and gold can reduce overall risk.
• Avoid Timing the Market: Continuing SIPs ensures rupee-cost averaging even in tough times.

Investing during a recession can be highly rewarding, but the key is discipline, asset allocation, and professional guidance based on your goals.