Priya & Rahul need ₹25 Lakh in 7 years for a Goa wedding. But how to invest? Lumpsum or SIP? Let's break it down for your big day!
Invest a large sum at once. High returns if you time the market perfectly, but huge risk if it dips right after. Stressful & hard to get right.
Invest a fixed amount monthly. Rupee Cost Averaging buys more units when markets are low. Builds discipline, reduces risk, and makes volatility your friend.
For salaried pros like Priya & Rahul, SIP is hands-down practical. ₹20K/month for 7 years (at 12%) can get you ₹25 Lakh. It's consistent & stress-free.
Have a lump sum AND monthly income? Invest the lump sum in a debt fund, then use a Systematic Transfer Plan (STP) into equity, alongside regular SIPs.
Don't try to time the market with lumpsum. NEVER stop SIPs when markets fall – that's when you buy low! Always step up your SIPs as income grows.
Ready to plan your financial fairytale? Calculate your SIP needs on sipplancalculator.in today! Start investing smartly. (Mutual funds are subject to market risks.)