Lumpsum vs SIP: Grow ₹10 Lakh in 5 Years

Which Way to Financial Freedom? Let's break down the best strategies for your financial goals.

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Lumpsum vs SIP: Investment Basics

Lumpsum: One big investment. SIP: Small, regular amounts. Both aim for wealth, but SIP uses rupee cost averaging to smooth market ups & downs. Know the difference!

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₹10 Lakh in 5 Years: The Numbers

Target: ₹10 Lakh in 5 years (12% return assumed). Lumpsum needs ~₹5.67 Lakh upfront. SIP needs ~₹12,940/month (total ~₹7.76 Lakh invested). Choose your path!

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Lumpsum: High Reward, High Risk

Invest all at once. Big gains if market rallies after your investment. But, timing the market is nearly impossible. A downturn can hurt your entire capital immediately.

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SIP: Your Steady Growth Partner

Perfect for salaried investors. Automates discipline & leverages rupee cost averaging. Buys more units when market is low, less when high. Less stressful, consistent growth.

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My Take: Combine for Optimal Growth

Make SIPs your core. For bonuses, use STP (Systematic Transfer Plan) to invest over time. Deploy lumpsums strategically during market corrections. Stay invested, don't time.

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Ready to Plan Your Financial Future?

Calculate your ideal investment plan! Explore how much you need to invest with our free Lumpsum & SIP calculators. Visit sipplancalculator.in now!

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