Comparison
SIP vs Lump Sum
Compare execution style, behavior fit, and use cases to choose the right investing method.
| Factor | SIP | Lump Sum | Practical Guidance |
|---|---|---|---|
| Cash Flow Fit | Best for monthly income. | Best for one-time surplus capital. | Choose based on income pattern and liquidity position. |
| Timing Pressure | Lower due to staggered investing. | Higher at initial deployment. | SIP is often easier for first-time investors. |
| Behavior | Automated and disciplined. | Needs stronger emotional control. | Blended approach can reduce regret risk. |