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Aditya Birla Sun Life AMC Limited
Lumpsum Vs SIP
Jan 29, 2020
3 mins | Views 11609
You have decided that you want to invest in a certain Mutual Fund scheme. But now you are not sure how to invest. You have two options:
Lumpsum: A large amount is invested at one go
Every rupee stays invested for the full tenure of the investment
Requires a more experienced investor
Doesn’t require a strict saving habit
Allows investing according to current market valuations
Who may invest?
A bonus received from work
An inheritance
A gift from family on a special occasion
Systematic Investment Plan: A small amount is invested at regular intervals
You can start with an amount as low as Rs.500
Allows rupee cost averaging
Automated deduction makes you a disciplined investor
Can create separate funds for different goals
Can be increased with increase in your salary/income
Who may invest?
Anyone with a little amount to spare every month due to a lot of expenses
Another Option? Go for Both
You can keep SIP as the core strategy in your portfolio but if you have investible surplus or come into a windfall earning, you can invest it as a lumpsum.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
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