SIP vs Lumpsum: What’s Better for Your Wealth Goals?

Aapke paas ₹1 lakh hai.
Ab sawaal yeh hai — ek baar mein daal doon (Lumpsum)?
Ya thoda-thoda har mahine SIP karoon?

Yeh confusion sirf aapki nahi hai — 90% naye investors isi question se start karte hain.
So let’s simplify this once and for all.

🔄 1. SIP Kya Hota Hai? (Systematic Investment Plan)

Definition: Har mahine ek fixed amount invest hota hai — chahe market upar ho ya neeche.

It’s like an EMI — bas yeh paisa aapke future ke liye kaam karta hai.

📉 Benefit: Dollar-cost averaging → Kabhi mehenga, kabhi sasta → Long-term mein average cost better hoti hai.

✅ SIP is perfect when:

Example:
If you invest ₹5,000/month for 5 years (₹3 lakh total)
➡️ Expected 12% return → Final Corpus ≈ ₹4.01 lakh

Definition: Ek baar mein pura paisa invest karna — simple, fast, aggressive.

💡 Best results tab milte hain jab market neeche ho, ya correction chal raha ho.

⚡ Compounding starts immediately → More time = More growth

✅ Lumpsum is better when:

Example:
₹3 lakh ek baar mein invest @12% for 5 years
➡️ Final corpus = ₹5.29 lakh

Simple rule:

But wait — sabse smart strategy kya hai?
Combo of both.

“SIP se discipline aata hai.
Lumpsum se acceleration aata hai.”

Combo = Growth + Consistency
💡 Example: ₹1 lakh lumpsum + ₹5,000 SIP/month = Powerful long-term result

Aapko exact number chahiye? Use our calculators:

👉 Just enter your amount, return %, and time — and we’ll give you graphs & results instantly.

Koi bhi option “perfect” nahi hota. Your choice depends on:

Sahi tareeka hai — copy mat karo, calculate karo.

💚 Start small. Stay consistent.
Use smart tools. Let WynWealth help you Wyn Your Wealth.