SIP vs lump sum: what the data says for Indian markets
Rupee-cost averaging feels safer, but does it win? A plain-English look at both approaches.
A SIP invests a fixed amount every month regardless of price, so you buy more units when markets dip and fewer when they rally.
Lump-sum investing puts money to work immediately. Historically, when markets trend upward over long periods, lump sums have a slight edge — but SIPs dramatically reduce the regret of bad timing.
Most first-time investors do better with SIPs simply because they stick with them. Consistency beats cleverness.
This article describes approaches; it is not a recommendation. Decide based on your own cash-flow and risk comfort.
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Educational content only. For informational purposes only. Not investment advice.