SIP (Systematic Investment Plan) means investing a fixed amount every month. Lump sum means investing a single amount upfront. Both can work — the best choice depends on your cash flow and risk comfort.
Why SIP is popular
- Spreads entry over time (reduces timing stress)
- Fits monthly income
- Builds discipline
Why lump sum can outperform
If markets rise over time, investing earlier often has an advantage because your money has more time to compound. But it can feel riskier emotionally due to short-term volatility.
Try it instantly
Compare using SIP Calculator () and Lump Sum Calculator (/tools/lump-sum-investment-calculator).