Is Lumpsum better than SIP?

Lumpsum can be better if you invest when the market is low. SIP is better for regular earners and helps mitigate the risk of market timing.

When should I choose SIP over Lumpsum?

Choose SIP if you have regular monthly income or if the market is at an all-time high and you fear a correction.

SIP vs Lumpsum Comparator

Compare SIP vs Lumpsum returns across Bull, Bear, and Sideways market regimes.

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Quick Summary: SIP vs Lumpsum Comparator

The SIP vs Lumpsum Comparator helps you decide between investing a large sum at once or spreading it over time. While Lumpsum often wins in a bull market, SIP provides better risk protection through Rupee Cost Averaging during volatile or falling markets in FY 2026-27.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.