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The Economic Times

Personal Finance / The Economic Times

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Have Rs 4 lakh to invest? Heres how to balance mutual fund SIP and lumpsum

Investors face a choice between SIPs and lumpsum investments for wealth growth. Experts suggest a balanced approach, continuing SIPs for discipline and using lumpsum for market dips. For a 4 lakh surplus, a staggered investment over months is recommended. This strategy aims to optimize returns over a 15-20 year horizon. Discipline and strategy are key for long-term success.

25 Apr 2026 11:20 am