"We trust that you will avoid using harsh language and will refrain from making unsubstantiated allegations against individuals and firms. Your constructive feedback and opinions are very valuable to all of us in the industry. "
Do NOT agree at all premature redemption are a mostly a function of market levels. Im sure you know that Maximum SIP and lumpsum investments happen when markets are at a high and maximum redemption and SIP cancellation requests happen around the lows. If your logic is right then MOST advisors are selling wrongly.