Timing the Market vs Rupee Cost Averaging
Lumpsum vs SIP Calculator
Should you invest a lump sum all at once or stagger it across monthly SIP installments?
When Lumpsum Wins
Over horizons exceeding 7–10 years, historical Indian market data shows that lump sum investments beat SIPs roughly 68% of the time because markets rise over the long term, and lump sums put 100% of your capital to work on Day 1.
When SIP Wins
SIP wins decisively when markets are near all-time highs or facing volatile corrections. Rupee Cost Averaging buys more mutual fund units when markets drop, dramatically lowering your average purchase price.