Which is better for your ₹50 Lakh dream? Let's explore the best investment strategy for a significant down payment goal.
Rahul & Priya need ₹50L for their dream home. They have ₹15L. Should they invest it all now (Lumpsum) or start a monthly SIP for the rest? Let's find out!
Invest a big sum at once. High growth potential if markets rise immediately. BUT, huge market timing risk. A market dip can hit your crucial down payment fund. Super risky for short-term goals (<3 yrs).
Invest fixed amounts monthly. 'Rupee Cost Averaging' buys more units when markets are low, averaging your cost. Builds discipline. Ideal for salaried pros saving for big goals like your down payment.
The choice depends on WHEN you need the money: * **Short (1-3 yrs):** Safer debt funds. * **Medium (3-5 yrs):** Balanced Advantage Funds. * **Long (5+ yrs):** Equity SIPs shine! Match risk to your timeline.
Don't time the market, invest aggressively for short goals, or stop SIPs during dips. For most, a disciplined SIP (with annual step-ups) is best. Lumpsum? Use STP over time for balance.
Ready to make your ₹50 Lakh down payment a reality? Use our Goal SIP Calculator to find your ideal monthly savings. Start planning today! sipplancalculator.in