Got ₹10 Lakhs and 5 years to grow it? The big dilemma: Lumpsum vs SIP. Let's decode the best strategy for your investment in India!
Lumpsum: Invest all ₹10 lakhs in one go. High market timing risk. SIP: Break it into regular, smaller amounts. Averages your cost over time, reducing risk. Which one for you?
Rarely, for seasoned investors during a significant market correction (20-30%+ fall). It’s like buying on sale. But predicting the bottom is incredibly hard and risky for 5 years.
The champion for 5-year goals! Benefits: Rupee Cost Averaging (buy more units when markets dip), automated discipline, reduces emotional decisions. Use an STP for existing lump sums!
For medium-term: Flexi-cap, Large & Mid-cap, Balanced Advantage, or Multi-Asset funds. They offer a good blend of growth and risk management. Avoid pure Small-caps.
Don't time the market, never stop SIPs during dips, ensure an emergency fund, know your risk tolerance, and review investments annually. These are crucial for success!
Ready to map out your investment journey? Use our calculators to visualize your potential growth and set up smart SIPs today! Visit sipplancalculator.in