SIP vs Lumpsum — 2026 Mein Kaun Better? (Data Se Backed)
Category: SIP & Mutual Funds · Published 2026-02-02 · by Priyanka
SIP ya lumpsum? Seedhi baat: ye depend karta hai ki kab invest kar rahe ho.
SIP Kab Jeetta Hai
- Markets volatile ya overvalued hain — SIP aapki cost average karta hai.
- Aapke paas lumpsum nahi hai — salary se invest kar rahe ho.
- Market girne pe emotional ho jaate ho (rupee-cost averaging aapko shant rakhta hai).
Lumpsum Kab Jeetta Hai
- Markets mein abhi 20%+ correction aaya hai — lumpsum lagaane se rebound pakad sakte ho.
- Aapka lambi duration (15+ saal) hai aur paisa vaise bhi idle pada hai.
Dono Ka Best
Bonus mila? Ise liquid fund mein park karo aur 6-12 mahine mein equity fund mein STP (Systematic Transfer Plan) set karo — lumpsum deployment speed + SIP ki averaging dono milti hai.
Aksar Poochhe Jaane Wale Sawaal
Kya SIP hamesha lumpsum se better hai?
Nahi. Girte ya sideways market mein, SIP aam taur pe jeetta hai. Lambe bull market mein, jaldi lagaaya hua lumpsum jeetta hai.
Kya dip mein SIP rokke lumpsum invest karoon?
SIP continue karo AUR dip mein lumpsum bhi daalo. Ek ko dusre se replace mat karo.
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