Mutual Fund: Lumpsum vs SIP – #mutualfunds

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Do you invest in lumpsum or go the SIP way? Tell us below! 👇

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46 COMMENTS

  1. Bro forget about 6% average inflation per year

    So 5000 in 2nd year have 6% low value then 1st year so on in 3rd,4th,5th

    To nullify inflation increase 5000 sip buy 6% per year then it will be fair comparison

  2. Wrong comparision! SIP is for those who have fixed monthly income and wish to invest fixed amount monthly.
    Lumpsum, as the term says, its 1 time , whenever one has a lumpsum which is the result of bonus or long term saved pocket money.

  3. In this you have to realise that in Lumpsum you invest 3lakh at the beginning for 5 years but in SIP you are not investing your whole 3lakh for 5 years,
    Lumpsum is very volatile and need so much skills to time market
    SIP is so consistent no need to time market
    So better to do SIP and top-up your SIP whenever market correct 5 to 10 percent from top.

  4. Go for hybrid.
    If you have 10000 for sip.
    Go for 10000 per month. But when you think market is significantly down invest lumpsum.
    For example 10000 per month.
    And 5000 when you think market is down.
    If we calculate all average down trends per year.. you can increase you investment by 15% and 1-3% rise in cagr.

  5. This video is scientifically accurate.
    there is a researched white paper published by Ben Felix CFA who works for a wealth management firm in Canada called PWL.
    Ben’s research paper gather’s historical data as far data goes to prove that lumpsum beating out SIP or DCA as it’s referred in North America

    Sip is best for those who don’t have the lump-sum money but only income from their monthly salary to invest

  6. 1. TVM concept is not used at all. It's needed in the long-term in these kinds of comparisons. The total amount invested in absolute terms is the same but you plug in inflation and you'll know what you missed.
    2. What kind of investor educators are you if you show the people the time period from 2020? Absolutely misleading.
    3. You should give proper disclaimers of what information you are intentionally misrepresenting just to create a hype in the YT short.

  7. I think the right mutual funds depends on your personal goals and timeline, i have been benefitting from a stock index funds and bond funds which has offered me stability and growth.

  8. Investing in mutual funds offers a structured and diversified approach to building wealth, managed by professional fund managers. While there are costs and some limitations, the benefits of diversification, professional management, and ease of access make mutual funds a popular choice for achieving a variety of financial goals.

  9. My Take is

    SIP made you to save 3 lakh and additionally it gave you 1 lakh benefit.

    Lumpsom 3 lakh deposit helped you to grow your money to 6 lakh..

    If you have money in hand you can go for lumpsom and if no fund you go for SIP to save some money.

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