SIP vs lump sum: which and when
6 min read • 5 May 2024
Drip-feed your money in, or invest it all at once? The honest answer depends on what you're optimising for.
Lump sum tends to win on average because markets rise over time, but SIPs smooth out the emotional cost of bad timing. For most regular savers, the SIP isn't just a strategy — it's the only realistic option.
Key takeaway
Lump sum wins on paper.SIPs win on behaviour.