Your company bonus just landed! Got a ₹5 Lakh windfall and a 5-year goal? Discover how to make it grow strategically – Lumpsum or SIP? Let’s dive in!
Invest your bonus all at once (Lumpsum) or in smaller, regular installments (SIP)? The key difference is market timing. But for a 5-year goal, which one truly wins?
No one can perfectly time the market. A lumpsum at a peak can risk your 5-year goal. SIP's Rupee Cost Averaging buys more units when markets dip, reducing stress and risk.
Don't pick sides! Park ₹4 Lakh in a liquid fund, then set up a Systematic Transfer Plan (STP) to move ₹20-25K monthly into equity funds. Invest remaining ₹1 Lakh in hybrid funds.
This blended strategy offers safety from volatility, rupee cost averaging, disciplined investing, and ultimate peace of mind. Your bonus works smarter, not harder, for your goals.
Beyond method: Clarify your goal, choose diversified funds (Flexi-cap, Balanced Advantage), balance equity/debt, and review regularly. Avoid common mistakes like over-risking!
Ready to see your ₹5 Lakh bonus grow for your 5-year goal? Use our SIP calculator to plan your investments and build wealth effectively. Visit sipplancalculator.in