BM Wealth•BM Wealth Calculator•ARN 90008 | IRDAI 277925Lumpsum Investment Planner
How much will your lumpsum grow? Compare with SIP.
BM Wealth | ARN 90008 | Educational mathematical projection. Not investment advice.
Enter the lumpsum amount, expected annual return, and time horizon. Click Calculate to see projected maturity, total gain, and the equivalent monthly SIP that would reach the same maturity.
- Use the equivalent SIP as a planning lens for affordability (monthly cashflow).
- If you worry about timing risk, treat the result as a target and deploy via an STP approach.
- Interpret returns as illustrative assumptions, not guarantees.
Example: Lumpsum ₹10,00,000at 12% for 10 years to estimate maturity and SIP equivalence.
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Lumpsum vs SIP — When One-Time Beats Monthly
Lumpsum investing means deploying a single amount at once into the market, as opposed to spreading it across months via SIP. Historical data shows that lumpsum investing outperforms SIP roughly 65% of the time over 10+ year periods, because markets tend to rise over long horizons and early deployment captures more compounding.
However, lumpsum carries timing risk. Investing at a market peak can mean years of underwater returns. This calculator helps you quantify your expected maturity and compare it against the equivalent SIP — so you can decide which approach suits your situation and risk tolerance.
Key Considerations
- Use STPs (Systematic Transfer Plans) to deploy lumpsum gradually if markets look overvalued.
- Large-cap and index funds are typically safer vehicles for full lumpsum deployment.
- Factor in LTCG tax: gains above ₹1.25L taxed at 12.5% for equity held over 1 year.
Educational content only — not investment advice. Market-linked outcomes can fluctuate • AMFI ARN 90008