SIP and Lump Sum Are Tools, Not Enemies
The right choice depends on your income pattern, risk tolerance, and market behavior.
When SIP Is Better
- Monthly salary income
- Need to reduce market timing risk
- Building long-term wealth steadily
When Lump Sum Is Better
- You receive bonus/inheritance/business surplus
- Valuations are reasonable and horizon is long
- You have a clear asset allocation plan
Balanced Approach
Deploy a part immediately and stagger the rest via STP or phased entries. This balances opportunity and risk management.