The SIP vs lumpsum question is perennial, but
The SIP vs lumpsum question is perennial, but the answer depends heavily on market conditions. We analysed returns from 50+ equity mutual funds across large-cap, mid-cap, and flexi-cap categories to provide a data-driven recommendation for 2026.
Our analysis covered rolling 3-year, 5-year, and 10-year
Our analysis covered rolling 3-year, 5-year, and 10-year periods from 2014 to 2025. The findings: in trending bull markets, lumpsum investments outperformed SIPs 65% of the time. In volatile or sideways markets, SIPs won 72% of the time through rupee cost averaging.
Given the current market environment , elevated
Given the current market environment , elevated valuations (Nifty PE at 22x), global uncertainty, and expected volatility , our research team recommends a hybrid approach: deploy 40% of your intended investment as lumpsum at current levels, and spread the remaining 60% through monthly SIPs over the next 6-12 months.
This approach captures potential upside if markets rally
This approach captures potential upside if markets rally from here, while providing downside protection through averaging if markets correct. For investors with ₹10 lakh to deploy, this means investing ₹4 lakh immediately and setting up SIPs of ₹50,000 per month for the next 12 months.
At DealPlexus, our mutual fund advisory covers 500+
At DealPlexus, our mutual fund advisory covers 500+ schemes across all AMCs. Our platform provides personalised SIP recommendations based on your risk profile, investment horizon, and existing portfolio composition.
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