Which gives better returns — investing monthly via SIP or all at once? Compare with the same total amount.
Lumpsum (₹12.0 L today)
₹65.7 L
Growth: ₹53.7 L · All invested day 1
SIP (₹6,666.667/mo)
₹33.3 L
Growth: ₹21.3 L · Spread over 15 years
In consistently rising markets
Lumpsum wins by ₹32.4 L
But SIP wins in volatile markets through rupee cost averaging
The Best Strategy
Most financial planners recommend: maintain regular SIPs from salary + invest lumpsum amounts (bonus, inheritance) immediately. Don't park lumpsum money in savings accounts "waiting for a dip" — time in market beats timing the market.
Felix helps you decide SIP amount, lumpsum allocation, and when to top up based on market conditions.
Download Richify — It's FreeNeither is universally better. SIP is better for: regular income earners, volatile markets, building investing discipline. Lumpsum is better when: you have a large surplus (bonus, inheritance), markets are at a dip, and you have a long time horizon. Historically, lumpsum slightly outperforms SIP in consistently rising markets, but SIP reduces timing risk.
Yes — and this is often the best approach. Maintain regular SIPs for disciplined long-term investing, and make additional lumpsum investments when you receive bonuses, increments, or when markets correct significantly. This 'SIP + opportunistic lumpsum' strategy maximises wealth over time.
Short-term crashes are normal. If your investment horizon is 7-10+ years, a crash after lumpsum investment is actually beneficial — you bought at lower levels. The key is: only invest lumpsum money you won't need for 5+ years. If the thought of temporary losses keeps you up at night, SIP is the safer choice.