Lumpsum
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Investment Details
One-time investment growth
Equity MFs avg 10-15% over 10+ years
Maturity Value
₹15,52,924
3.1x your invested amount
Principal
₹5,00,000
Returns
+₹10,52,924
Wealth Gain
68%
Wealth Growth Snapshot
Compounding magic over different time periods
After 3y
₹7,02,464
+₹2,02,464
After 5y
₹8,81,171
+₹3,81,171
After 10y
₹15,52,924
+₹10,52,924
Insight
Your ₹5,00,000 grows to ₹15,52,924 in 10 years — that's the power of compound interest at 12% per year.
Pro Tip
- •Lumpsum works best when markets are down - buy the dip strategy.
- •If you have a large amount, consider STP (Systematic Transfer Plan) for safer deployment.
- •₹1L at 12% becomes ₹3L in 10 years, ₹10L in 20 years - compounding is exponential.
What is Lumpsum?
A lumpsum investment is a one-time investment of a large amount, unlike SIP where you invest periodically. Lumpsum works best when you have a windfall (bonus, inheritance, sale proceeds) and markets are at a low. The power of compounding makes lumpsum investments grow exponentially over long periods.
How to Use
- 1Enter the one-time investment amount
- 2Enter how many years you'll stay invested
- 3Enter expected annual return rate
- 4See the future value and total returns
Formula
A = P × (1 + r)^n
Where: A=Future Value, P=Principal, r=annual rate, n=yearsFrequently Asked Questions
It depends on market timing. SIP works in any market through rupee-cost averaging. Lumpsum gives higher returns if you invest when markets are down. For most retail investors without market timing skills, SIP is safer. If you must invest a lump sum, consider STP (Systematic Transfer Plan) to spread it over 6-12 months.