October 1, 2025 Enrichwise Digital

Why Market Volatility Feels Scary — and How to Handle It

Introduction

Why Market Volatility Feels Scary

Are you worried about stock market volatility? You’re not alone. Falling portfolios and constant news updates can make anyone anxious. But smart investors know one thing: volatility is temporary, and strategy is permanent.

At Enrichwise, we guide investors with practical strategies that help them protect wealth and grow steadily — even during turbulent times.

 

The Old Money & New Money Investment Strategy

Old Money Investors (Long-Term Investors)

If you’ve been investing for years, your portfolio likely has strong gains. Now is the time to rebalance your portfolio:

  • Adjust to a 70:30 equity-to-debt ratio
  • Reduce portfolio risk
  • Lock in past gains
    Stay invested, but with a safety cushion

This approach ensures your wealth is protected while still giving you exposure to future growth.

New Money Investors (Recent Investors)

For those who started investing only 1–2 years ago, market volatility may feel like a shock. But this is actually an opportunity:

  • Increase SIP investments to buy more at lower prices
  • Benefit from rupee cost averaging
  • Stay consistent to harness the power of compounding

Volatility gives new investors a chance to accumulate wealth faster when markets bounce back.

 

The PRAG Strategy – Protect and Grow

At Enrichwise, we go beyond traditional strategies with our PRAG Approach:

  • Protect: Use smart asset allocation across equity, debt, and gold to minimize losses in downturns.
  • Grow: Position your portfolio for stronger returns when markets recover.

This dual strategy gives peace of mind today and growth tomorrow.

 

Key Takeaways for Investors

  • Old Money = Rebalance (shift to 70:30 equity:debt)
  • New Money = Stay Aggressive (continue/increase SIPs)
  • PRAG = Protect and Grow wealth with asset allocation and rebalancing
  • Time is your best ally — the longer you stay invested, the more benefits you unlock

Final Thoughts: Trust the Process

The stock market may feel like it’s in free fall, but remember: every downturn is temporary, every recovery is permanent.

By applying the Old Money–New Money strategy and the PRAG approach, you can handle market volatility with confidence. At Enrichwise, we help you stay calm, stay invested, and stay on track for long-term wealth creation.