SIP vs Lump Sum: Which Strategy Works for You?

General information only; not financial or tax advice. Laws and lender policies change—verify specifics before acting.

SIP smooths entry; lump sum maximises time-in-market (with timing risk).

Systematic Investment Plans (SIPs) average market entries and suit salaried cash flows. Lump sum investing gives immediate exposure but is sensitive to timing.

• Use SIPs for ongoing income and to reduce behavioural mistakes.
• Use lump sum for large windfalls; consider tranche deployment.
• Match approach to risk tolerance and market conditions.