The SIP vs Lump Sum debate resurfaces every market cycle. Instead of opinions, let's look at the data.
The Data Speaks
Over any 10-year period since 2000, lump sum investing outperformed SIP roughly 65% of the time. But that stat alone is misleading.
Risk-Adjusted Returns
When we factor in volatility and drawdown risk, SIP provides a significantly smoother ride. For most salaried professionals, SIP remains the practical choice.
The Hybrid Approach
The smartest strategy? Regular SIPs with tactical lump sum additions during market corrections of 10%+ from recent highs.
