Lumpsum Calculator

A lumpsum investment is investing a large amount of money all at once, rather than spreading it over time (like SIP). It's ideal when you have a windfall, bonus, or accumulated savings. The key advantage is immediate full market exposure and potential for higher returns if markets rise.

Lumpsum works better if you have a large amount and can time the market entry well. SIP (Systematic Investment Plan) reduces timing risk through rupee cost averaging. For most investors, SIP is recommended for discipline and risk reduction. Lumpsum is better for experienced investors or when markets are clearly undervalued.

Returns depend on asset class: Equity mutual funds historically 10-12% annually, debt funds 6-8%, balanced funds 8-10%. Past performance doesn't guarantee future returns. Consider your risk appetite, time horizon, and diversify across asset classes.