Huge amounts of money is being made by mutual fund investors as the stock markets have been soaring to new highs virtually on a daily basis. Even as the investors are making a big profit, there are many who become uncertain about what to do next - continue investing via SIP or not. Well, in such a situation, it has been found that investors get confused about whether they should continue investing through their SIP (systematic investment plan) or they should stop investing as it will give them a lesser NAV. According to the tax and investment experts, a smart investor must maintain the investment discipline. This means they should continue investing irrespective of share market performance. They are of the opinion that when the stock market rises, it doesn't mean all stocks are rising. The rise of an index doesn't mean a rise in all listed shares this doesn't mean investors should stop investing.

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Speaking on the right strategy for mutual fund investors in a rising market situation, Kalpesh Aashar, Founder, Full Circle Financial Planner & Advisers said, "Currently, the stock market is rising but it doesn't mean all shares are rising. The Capital market has liquidity and markets are rising due to the rise in investments in mutual funds and SIP. So, a smart investor is advised to maintain discipline in one's investment plan and hence I would advise him or her to continue with the allocated funds for various mutual fund plans."

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Aashar said that stopping investment means an alteration in investments which is not an advisable option. One should continue to invest as he or she has been investing for long-term saying, "A smart investor doesn't get bothered by the sentimental indicators like stock market rise or fall. The main focus should be the investment goals and the strategies they have been following to achieve them. By discontinuing one's investment in SIP or mutual funds one may even jeopardize investment goals."

Advising mutual fund investors to understand the difference between being vigilant and being careless, Aashar said, "A smart investor never sets an investment plan on the basis of market trend. An investment plan should be altered only after a  review of the portfolio after a proper time gap."