Both SIP and lump sum investments have different utility. It depends on your financial situation and market conditions.

• SIP (Systematic Investment Plan) is better if you want to invest regularly, build discipline, and reduce risk through rupee cost averaging. It’s ideal for salaried individuals or for people who have a regular monthly income.
• Lump Sum Investment is suitable when you have a lump sum amount to invest, and the market is expected to rise steadily. It can generate higher returns if timed well. This approach is suitable for individuals with irregular incomes or those who receive lump sum amounts at intervals, such as bonuses, gifts, sale of property etc. Even those with regular income can consider lump sum investments when they receive additional funds.

Depending on your financial situation and market conditions, a financial advisor can help you choose the most appropriate strategy, whether it’s through a Systematic Investment Plan (SIP), lump sum investment, or a Systematic Transfer Plan (STP).