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Lump Sum vs. Regular Investment: Which Strategy is Better for You?

Tue, 4 Feb 2025

5 min read

Personal Finance

Key Takeaways:

 

  • Timing the market is risky; delaying investments often leads to missed opportunities.
  • Lump sum investments can yield high returns but come with higher risks during market volatility.
  • Staggered investments like SIPs provide discipline and reduce timing risks, with NIFTY 50 SIPs generating an XIRR of ~18% over five years.
  • Recent market corrections highlight the benefits of investing during dips and adopting a staggered investment approach.
  • Often, investors tend to spend a considerable time predicting market corrections or ‘sit on the fence’ in the anticipation of deep corrections.
  • Human nature and Behavioural biases play a significant role in investment decisions.
  • Procrastination in investments often leads to missed opportunities as the opportunity cost of not staying invested in the market are high.

 

 

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