Rahul & Anita's ₹10 lakh bonus sparks a big question: how to fund Sia's ₹50 lakh education goal in 15 years? Is a lumpsum the best way, or is there a smarter strategy?
Investing a large sum at once feels decisive, but market timing is impossible. A sudden market dip can cause anxiety, regret, and lead to poor decisions for your ₹50 lakh goal.
Systematic Investment Plans (SIPs) are gold! They use 'Rupee Cost Averaging' to smooth market volatility and enforce discipline. It's the consistent way to build wealth over 10-15 years.
Got a bonus? Don't dump it all. Use a Systematic Transfer Plan (STP)! Park your lumpsum in a debt fund, then automatically move fixed amounts into equity. Get growth with less risk!
For a 10+ year goal like education, lean on equity! Flexi-Cap, Large & Mid-Cap, or Balanced Advantage Funds can help beat inflation and reach that ₹50 lakh target efficiently.
Don't wait too long, be too conservative, or try to time the market. Start early, embrace equity for long-term goals, and review your portfolio annually to stay on track.
Curious about monthly SIPs to reach ₹50 Lakh? Use our goal SIP calculator at sipplancalculator.in to create your roadmap. Start securing their education today!