SIP vs lump sum investment
Both methods can work. The right choice depends on your cash flow, market comfort, and investing discipline.
Quick comparison table
| Factor | SIP | Lump Sum |
|---|---|---|
| Investment style | Monthly/regular | One-time |
| Market timing risk | Lower (staggered entry) | Higher (single entry point) |
| Best for | Salaried monthly investors | Investors with idle surplus cash |
When each suits you
Choose SIP when you want consistency and gradual investing. Choose lump sum when you have a large amount ready and can tolerate short-term fluctuations.
Plan with calculators
Open SIP Calculator Open Compound Interest Calculator