Dreaming of your own home in 3 years? Let's decode the best investment strategy for your initial lumpsum and monthly contributions to reach that ₹15 Lakh goal!
Rahul & Anita need ₹15 Lakh for a home down payment. With ₹10 Lakh saved, they must grow ₹5 Lakh more. What's the smartest way to invest within a tight deadline?
A lumpsum is a one-time investment; SIP means regular, fixed payments. For a 3-year goal, pure equity lumpsums are generally too risky. Capital preservation is key for a down payment!
Avoid putting your entire ₹5 Lakh lumpsum into pure equity for a 3-year goal. Consider debt-oriented funds for stability or use a Systematic Transfer Plan (STP) into balanced funds gradually.
For the remaining ₹5 Lakh, SIPs are ideal. Explore Balanced Advantage, Aggressive Hybrid, or Multi-Asset funds. Use a Step-Up SIP to accelerate your savings and hit your goal faster!
Combine a conservative lumpsum strategy with targeted SIPs. Crucially, de-risk your investments by shifting to safer assets 6-9 months before your down payment deadline. Protect your capital!
Ready to build your strategy? Use our Goal SIP, SIP Step-Up, or general SIP Calculators at sipplancalculator.in to map your path to that dream home down payment today!