SIP vs Lumpsum: Kaunsa Behtar Hai Long-Term Investors Ke Liye?

Investment ke 2 popular tarike: SIP aur Lumpsum. Dono ke benefits alag hain.

1. SIP (Systematic Investment Plan)

✔ Monthly fixed investment

✔ Rupee cost averaging

✔ Market timing ka tension nahi

✔ Beginners ke liye perfect

Example:

₹1,000 monthly SIP 20 years → ₹12 lakh investment → value ₹45–50 lakh (average returns)

2. Lumpsum Investment

✔ Ek saath bada amount invest

✔ Market sahi ho to high profit

✔ Compounding fast start hota hai

3. Kaunsa Best?

Salary person → SIP best

Bonus/large savings → Lumpsum

4. Best Strategy

SIP + yearly Lumpsum

Isse risk kam + returns high milte hain.