A lumpsum deployment strategy compares investing all at once versus a Systematic Transfer Plan (STP). In volatile markets, spreading a ₹10L investment over 6-12 months can reduce timing risk while keeping funds in liquid assets earning interest in FY 2026-27.
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Max: 30
Max: 30
Max: 60
Better Strategy
Lump Sum
Recommended option
Difference
Lump Sum advantage
Lump Sum Value
Maturity value
SIP Value
Spread over 12m
Corpus Growth: Lump Sum vs SIP Deployment
💡 Key Insight: This assumes consistent 12% returns. In volatile markets, SIP provides rupee-cost averaging and reduces timing risk. For debt funds or FDs with stable returns, lump sum almost always wins.
