Mutual Funds
SIP vs Lumpsum
Analysis: Should you invest everything today (Lumpsum) or spread it out monthly (SIP)?
₹
Yrs
%
Note: Comparison assumes spreading the total capital ₹₹1,20,000 into equal monthly installments of ₹₹1,000 for 10 years.
Did you know?
The Verdict
Mathematically, Lumpsum simply wins because your money compounds for longer. SIP is for risk management and cashflow alignment, not for beating Lumpsum returns in a bull market.
Lumpsum Strategy
₹3,72,702
(Invested once at start)
SIP Strategy
₹2,32,339
(Invested ₹1,000/mo)