Title: SIP is easy. But do you ever feel “I wish I could add rules to my SIP”?

I love SIPs for one reason: they remove decision fatigue. You don’t need to think every week. You just keep buying. But after a point, I feel SIPs also have a limitation: they’re one-size-fits-all. They don’t let you express simple personal rules like: “Don’t let any one theme become too big” “Reduce risk when equity allocation crosses X%” “Add a little extra only during big drawdowns” “Keep a 10–15% cash buffer so I don’t panic” Basically: I don’t want to trade. I just want discipline + guardrails + mild personalization, while still keeping things as simple as a SIP. Questions: If you could add 3 rules to your SIP investing (and follow them consistently), what would they be? What’s the #1 thing you wish your current MF/SIP approach handled better: risk control, timing extra cash, concentration, or rebalancing? Do you already follow any rules like this manually? If yes, how do you keep it consistent?