Assumes both SIP and lump sum earn the same annualized return, compounded monthly. Lump sum is invested fully on day zero, SIP contributions happen at the end of each month.
Results
Lump Sum Final Value
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SIP Final Value
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SIP Total Invested
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Difference (SIP − Lump)
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Lump Sum Gain
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SIP Gain
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Wealth Comparison
Lump Sum
SIP
Hover over the chart to see monthly values for both strategies. SIP is smooth because contributions continue through the tenure.