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Lumpsum investment involves investing a large amount of money at once, as opposed to systematic investments. Our lumpsum calculator helps you project the future value of your one-time investment, considering compound interest and expected returns, making it perfect for planning major financial commitments.
Enter your investment amount, expected annual return rate, and time horizon. The calculator uses compound interest formulas to show your investment's growth, estimated returns, and total value at maturity.
Lumpsum investments benefit from immediate full exposure to market gains but carry timing risk. SIPs offer rupee-cost averaging and reduce market timing concerns. Use this calculator to compare scenarios and choose the right approach for your situation.
Assess your risk tolerance, consider market valuations before investing, diversify across asset classes, and have a long-term horizon. Consult financial advisors for personalized investment strategies based on your financial goals.
Consider lumpsum when you have surplus funds from bonuses, inheritance, or asset sales, and believe current market valuations are attractive.
Use historical average returns for the asset class (7-12% for equity, 6-8% for debt) adjusted for your risk tolerance and market conditions.
Neither is universally better. Lumpsum performs better in rising markets, while SIP excels in volatile or falling markets due to rupee-cost averaging.