SIP vs lumpsum: which way to invest?

A SIP invests a fixed amount regularly, averaging your purchase price across market ups and downs — ideal when you're investing from monthly income.

A lumpsum puts a larger amount in at once. Historically it can do better in steadily rising markets, but it carries more timing risk.

If you have a windfall but are nervous about timing, a middle path is to stagger it over a few months. Returns are never guaranteed; mutual fund investments are subject to market risks.