Mutual fund experts recommend continuing Systematic Investment Plans (SIPs) and maintaining a diversified approach with higher allocation to large caps amid market volatility. Small and mid-cap indices have fallen by nearly 20%. SIP contributions have shown a dip from Rs 26,450 crore in December to Rs 26,400 crore in January. Experts advise patience with SIPs, citing historical data showing their effectiveness over long-term horizons.