SIP or lumpsum — which one actually wins?

If you already have the money, a lumpsum in a diversified equity fund has historically beaten a SIP of the same amount dribbled in over the next year, because markets rise more years than they fall.

A SIP still earns its keep. It is a behaviour tool. It stops you from waiting for a dip that never feels low enough. It is also the only honest way to invest a salary: you do not have next year’s bonus today.

Use the SIP calculator to see the corpus at 10%, 12% and 14%. Then use the lumpsum calculator on money that is already sitting idle. The right answer is usually both.