Lump Sum Investment

A lump sum investment deploys the full amount into a mutual fund at once, rather than spreading it across monthly instalments the way a SIP does. It's the natural approach when a specific amount becomes available at a point in time — a bonus, maturity payout, or inheritance, for example — rather than money that accumulates gradually from income.

Because the full amount is exposed to the market from day one, timing matters more for a lump sum than for a SIP; some investors choose to stagger a large lump sum into the market over a few months (a "systematic transfer") to reduce that timing risk.

Project your lump sum's growth