PlanningBeginner8 min

SIP vs Lump Sum Investing

Both SIP and lump sum can work. The right method depends on how money becomes available and how you handle volatility.

SIP Benefits

SIP invests a fixed amount at intervals and reduces pressure to pick one perfect entry date.

It fits salary cash flows and builds long-term discipline automatically.

Lump sum can be useful when you already have surplus capital from bonus, inheritance, or asset sale.

Long time horizons and a clear allocation plan improve lump sum outcomes.

You can combine both by investing part immediately and staggering the rest over a short schedule.

A blended setup often lowers regret risk while staying invested.

Retirement Planning Roadmap

Create a long-horizon retirement strategy with SIP growth, allocation glide path, and withdrawal planning.

Risk Management for Investors

Structure a portfolio that can handle market stress while staying aligned to long-term goals.

Explore the full glossary for deeper definitions and examples.