SIP Vs Lumpsum: Both SIP and Lumpsum are different ways of investing in mutual funds. They have their own advantages and disadvantages. If you also want to invest in mutual funds, then first understand these things well.

लोग स्‍टॉक मार्केट में डायरेक्‍ट निवेश करने से घबराते हैं, उनके लिए काफी अच्‍छा ऑप्‍शन है Mutual Funds में इन्‍वेस्‍ट कर सकते हैं. म्‍यूचुअल फंड्स सीधेतौर पर स्‍टॉक में पैसा लगाने की तुलना में कम जोखिमभरा माना जाता है. इसमें रिटर्न मार्केट के हिसाब से मिलता है. लंबे समय में म्‍यूचुअल फंड्स से मोटा पैसा बनाया जा सकता है. यही वजह है कि बीते कुछ समय में म्‍यूचुअल फंड्स की ओर लोग तेजी से आकर्षित हो रहे हैं.

People are afraid of investing directly in the stock market, a very good option for them is to invest in Mutual Funds. Mutual funds are considered less risky than investing directly in stocks. The return in this is according to the market. A lot of money can be made from mutual funds in the long run. This is the reason why people are getting increasingly attracted to mutual funds in the recent past.

Mutual Funds में दो तरह से निवेश किया जा सकता है. एक SIP यानी Systematic Investment Plan और दूसरा तरीका है Lumpsum. दोनों तरीकों के अपने अपने फायदे और नुकसान हैं. अगर आप भी म्‍यूचुअल फंड्स में निवेश शुरू करना चाहते हैं तो Lumpsum और SIP के फायदे-नुकसान समझ लें.

SIP 

– पहले बात SIP की करते हैं क्‍योंकि ये म्‍यूचुअल फंड्स में निवेश का बेहद पॉपुलर तरीका है. एसआईपी का सबसे बड़ा फायदा यह है कि इसमें आप अपनी सहूलियत के हिसाब से हर महीने एक निश्चित रकम निवेश कर सकते हैं. आप इसकी शुरुआत 100 रुपए से भी कर सकते हैं. 

– एसआईपी का फायदा ये भी है कि इसमें आपको फ्लैक्सिबिलिटी मिल जाती है यानी आप अपनी आमदनी के हिसाब से इसमें निवेश को समय के साथ बढ़ा-घटा सकते हैं, इसे जरूरत पड़ने पर बीच में रोक सकते हैं और कभी भी पैसा विद्ड्रॉल कर सकते हैं.

– एसआईपी का फायदा यह है कि आप बाजार के सभी तरह के उतार-चढ़ाव के बीच इसमें निवेश करते हैं. इस कारण आपका निवेश एवरेज होता रहता है. 

– फाइनेंशियल एक्‍सपर्ट्स मानते हैं कि अगर आप SIP में लंबे समय के लिए पैसा लगाएं और आमदनी बढ़ने के साथ इसमें निवेश को थोड़ा-थोड़ा बढ़ाते रहें, साथ ही निवेश के मामले में अनुशासित रहें, तो एसआईपी के जरिए काफी मोटा फंड तैयार कर सकते हैं. 

There are two ways to invest in Mutual Funds. One is SIP or Systematic Investment Plan and the other is Lumpsum. Both methods have their own advantages and disadvantages. If you also want to start investing in Mutual Funds, then understand the advantages and disadvantages of Lumpsum and SIP.

SIP 

– First let’s talk about SIP because it is a very popular way of investing in mutual funds. The biggest advantage of SIP is that you can invest a fixed amount every month according to your convenience. You can start it with just Rs 100. 

– Another advantage of SIP is that it gives you flexibility, that is, you can increase or decrease the investment over time according to your income, you can stop it in between if needed and you can withdraw money anytime.

– The advantage of SIP is that you invest in it amidst all the ups and downs of the market. Due to this your investment remains average. 

– Financial experts believe that if you invest money in SIP for a long time and keep increasing the investment little by little as your income increases, and also remain disciplined in terms of investment, then you can create a huge fund through SIP. 

– However, the disadvantage of SIP is that you cannot take advantage of any major fall in the market. Apart from this, if you forget any installment of SIP, then you may have to pay a penalty.

Lumpsum 

When you invest a lump sum amount in mutual funds through lump sum. The advantage of lump sum investment is that you can invest according to the market conditions and take advantage of its fluctuations. You are not charged any kind of penalty etc. in this. However, in lump sum you do not need to invest continuously on a fixed date, whenever you have a lump sum amount, you can invest it in mutual funds. 

But financial experts believe that you should invest in lump sum only when you have a large capital and you have a good understanding of the market. A small mistake in this can also cause you loss. But if you are new and you want to get good returns by taking less risk in the market, then SIP can be the best option

What is the formula for SIP return?

running the numbers on the sip calculator: an example

you want to make a rs 2,500 monthly investment for the next 12 months, with an expected return of 12%. the sip calculator uses the following formula to generate results: fv = p × ({[1 + i]n – 1} / i) × (1 + i). fv = rs 32,017 approximately in 12 months

Which type of SIP gives highest return?

Here are the details of top 8 best SIP plan funds for 5 years sorted as per annualised returns.

• Tata AIA Top 200 Fund. … 
• Max Life High Growth Fund. … 
• HDFC Standard Life Discovery Fund. … 
• Aditya Birla Sun Life Individual Multiplier Fund. … 
• Bajaj Allianz Accelerator Mid-Cap Fund II. … 
• ICICI Prudential Opportunity Fund

How do I increase my SIP return?

Increase SIP amount over time

As your income grows, consider increasing your SIP amount. This practice allows you to boost your investments without straining your finances. Gradually increasing your SIP contributions can increase your wealth accumulation

What does 10% XIRR mean?

XIRR or Extended Internal Rate of Return is that single rate of return that provides the current value of the total investment when it is applied to each instalment in a systematic investment plan (SIP). XIRR is the actual returns on your investments

How is CAGR calculated for SIP?

To figure out what your investment’s CAGR is, do the following: a) Divide the investment’s value at the end of a period by the one at the start. b) Divide the result by ‘n’ (the number of years) to get an exponent of one. c) Subtract one from the result that follows.

SIP 100% safe?

Is SIP 100% safe? While SIPs are relatively safer than some investment options, they are not completely risk-free. The risk is associated with market fluctuations, and returns are subject to the performance of the underlying funds

What is the formula for SIP?

The SIP calculator will generate a result using the above information and the following formula: Amount invested × ({[1 + Periodic rate of interest] Total number payments – 1} / Periodic rate of interest) × (1 + Periodic rate of interest).

How to check SIP growth?

Just enter the monthly invested amount (the amount for which you have started the SIP), the number of years for which you want to stay invested, and the expected rate of return. As soon as you input the value, the calculator will show you the estimated amount you can avail after your investment tenure is complete

What is the 15 rule in SIP?

How to calculate 15-15-15 rule? To calculate the 15-15-15 rule, multiply 15% of your monthly income by 12 to get the annual investment amount. Invest this amount monthly for 15 years in a mutual fund targeting 15% annual returns. Use an SIP calculator to project potential earnings based on these inputs

Which is better SIP or LIC?

There are several reasons why investors prefer SIPs over LIC policies, and the main reason is that SIPs are better if you focus on investment growth and flexibility. SIPs offer higher returns over the long term, are easy to liquidate for an urgent need, and can be easily diversified

Which type of SIP is best?

Perpetual SIP is one of the best options available in the systematic investment spectrum as it is linked to every SIP investor. When you start a SIP, the SIP mandate requires you to mention the start and end date for the same.

How to make 1 crore in 5 years in SIP?

Step-up SIP: You can achieve your target of earning Rs. 1 crore in 5 years by starting with an SIP of Rs. 75,000 per month and increasing it by 10% annually. This option is good for those expecting their income to rise over time, allowing them to progressively invest more

What is SIP calculator?

A Systematic Investment Plan (SIP) calculator is an online financial tool that can help to calculate the returns you would earn on your SIP investments. The calculator also tells you how much you would need to invest every month to earn a target corpus

How do I find the perfect SIP?

While choosing the best SIP to invest, it’s important to study the historical performance of the returns of those funds. It would be better to look over the trends for past 5 to 10 years and compare within the funds to understand whether they can withstand market volatility or not

What are 7 types of SIP?

• Regular SIP. Regular SIPs are one of the most popular types of SIPs. … 
• Top-up SIP. Top-up SIPs are also known as step-up SIPs. … 
• Flexible SIP. Flexible SIPs give you the flexibility to make changes in your SIP investment. … 
• Trigger SIP. … 
• Perpetual SIP. … 
• Multi SIP. … 
• SIP with Insurance.

What is 7 5 3 1 rule in SIP?

The first key to the 7-5-3-1 rule is to follow an investment duration of at least 7 years. Equities tend to perform very well over a period of 6 years. Investing in equity SIPs with a minimum time span of seven years unleashes the power of compounding well.

What are the 4 pillars of SIP?

It outlines the school’s vision, current performance, and strategic plans to achieve targets across 4 pillars: access, equity, quality, and resiliency

What is the 15 15 15 rule in SIP?

How to calculate 15-15-15 rule? To calculate the 15-15-15 rule, multiply 15% of your monthly income by 12 to get the annual investment amount. Invest this amount monthly for 15 years in a mutual fund targeting 15% annual returns. Use an SIP calculator to project potential earnings based on these inputs.

What are the three modules of SIP?

• SIP related modules. 1.1 SIP signaling modules. … 
• Scripting modules. 2.1 Script helper modules. … 
• Database modules. 3.1 SQL modules. … 
• External Integration modules. 4.1 OpenSIPS API modules. … 
• OpenSIPS protocols and infrastructure. CLUSTERER – Define and configure an OpenSIPS cluster, stable.

What is Swp in mutual funds

SWP stands for Systematic Withdrawal Plan, which allows you to withdraw money from your mutual fund in a regular and planned manner. You can choose how much money you want to withdraw and how often you want to withdraw it, such as monthly

SWPs can be a strategic way to provide a steady stream of revenue, which can be ideal for retirees looking for income after their career. They can also help you spread capital gains and manage tax liabilities. By withdrawing funds methodically, you can benefit from a well-organized cash flow and reduce the impact of market uncertainty on your investment returns. 

However, SWPs also have some disadvantages, including market risk and the potential for capital depletion if withdrawals exceed returns. It’s important to evaluate your financial goals and risk tolerance before deciding whether an SWP is right for you

A lumpsum investment in mutual funds is a one-time payment made in full at the beginning of an investment period. It is a single, large payment made upfront, without any subsequent payments

Is it good to invest lumpsum in mutual funds?

Is Lumpsum investment profitable? Lump sum investments offer the chance for higher returns but come with risk. They’re ideal for long-term investors comfortable with market swings and who have a windfall to invest. Otherwise, SIPs might be a better fit

What are disadvantages of lump sum investing?

What are the disadvantages of lumpsum investment in mutual funds? Lumpsum investments in mutual funds lack the benefit of cost averaging and can be subject to market timing risks. Additionally, a large initial investment may lead to higher exposure to market fluctuations compared to periodic investments.

Can I convert lump sum to SIP?

A lump sum investment can be easily converted into an SIP. This can be done through the platform you are using to invest. You need to set up an SIP through that platform and start investing at periodic intervals.

Can I invest lumpsum every month?

In essence, if you have enough knowledge about the market and related fluctuation adjustments, you may consider investing using lump sum option keeping other factors in mind. Investment of the same amount can be done every month in lumpsum instead of investing via SIP

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