SIP vs Lumpsum Investment

Should you invest a lump sum today or spread via SIP? Compare returns, rupee-cost averaging, and timing risk.

Factor	SIP	Lumpsum
Entry timing	Averaged over months	Single market entry point
Discipline	Automatic monthly investing	Requires large upfront amount
Volatility impact	Rupee-cost averaging reduces timing risk	Higher timing risk in volatile markets
Ideal investor	Salaried, regular cash flow	Bonus, inheritance, sale proceeds

Verdict: SIP suits regular earners and uncertain markets. Lumpsum can win in steadily rising markets if you have a large amount ready to deploy.