Compare Systematic Investment Plan (SIP) with Lumpsum investment strategies. Discover which approach works best for your investment goals and market conditions.
Enter your investment details to see the comparison between SIP and Lumpsum
| Aspect | SIP (Systematic Investment Plan) | Lumpsum Investment |
|---|---|---|
| Investment Amount | Small monthly amounts (₹500+) | Large one-time investment |
| Market Timing | Dollar cost averaging reduces timing risk | Requires perfect market timing |
| Discipline | Builds regular saving habit | Requires large sum availability |
| Returns | Steady, rupee cost averaging benefits | Can be higher if timed well |
| Risk | Lower risk due to averaging | Higher risk due to timing |
The best investment strategy depends on market conditions and timing
When markets are continuously going up
Gets full market exposure from day one
When markets fluctuate significantly
Rupee cost averaging smoothens volatility
When markets are in decline
Buys more units at lower prices
When markets move sideways
Similar performance in stable conditions