Both SIP and lumpsum investing can build serious wealth — the right choice depends on your cash flow and market timing comfort.
SIP
Investing a fixed amount monthly averages your cost and removes the stress of timing the market. A ₹10,000 monthly SIP at 12% for 15 years can grow to about ₹50 lakh.
Lumpsum
If you have a large amount ready and markets are favourable, a lumpsum can compound harder because the full sum is invested from day one.
Verdict
For most salaried investors, SIP wins on discipline and risk management. Model both with our SIP Calculator and Lumpsum Calculator.