I have a few clients who are under threat of being retrenched. So out of fear of reduced cash flow, they have instructed me to stop their RSP. For others, seeing their portfolio down by 40% make them feel fearful and also thinking of stopping the RSP. The irony of it all is that RSP only works because of bear market. RSP does not work at all if the market is going upwards. The reasoning is because profit  = sell high - buy low. The average cost of investment in RSP is low only if there are opportunities to buy at lows. How to buy at low points unless the market is down? Since RSP does not involved putting in large amount at one go but rather spread across over a long term basis, the average cost of RSP will only be significantly low unless it has a chance to buy at low points over a significantly low periods. The rationate and logical person would: do very large RSP during extreme market bear volatility like now. When market recovers and starts its bull cycle, reduce the RSP amount because the cost of investment starts to increase sharply. However, it is almost impossible to time the market like this. Thus, a practical person would simply stick with his same RSP amount throughout the bear and bull period. For those who are thinking or are already stopping their RSP and hoping to start again when the market recovers - you are doom to failure because of two problems: You don't know when the market is going up for if you know you could leverage all the way up (CFD can leverage 20x on common market index) and borrow money from loansharks, mother,father, grandfather, uncle and aunties and get rich over night like those get fast rich scheme like those advertised in newspaper. Second problem is that your average price of your investment continues to be very high because there was no opportunity to buy at low prices. For those who cannot understand this simple reasoning, no worries there is always those guaranteed maturity benefit endowment or so called "no-brainer" endowment which basically does the same thing but shield the policyholders from market volatility.