fincash logo SOLUTIONS
EXPLORE FUNDS
CALCULATORS
LOG IN
SIGN UP

Fincash » Mutual Funds » Benefits of Lump Sum Investing

Benefits of Lump Sum Investing in Mutual Funds

Updated on May 18, 2024 , 12381 views

Lump sum investment refers to Investing a considerable amount in a Mutual Fund scheme. In lump sum investing, the money is deposited as a one-time down payment. Individuals who are having a large amount can deposit a significant proportion in Mutual Fund. Lump sum mode of investing is opposite to Systematic Investment plan or SIP mode. One can invest lump sum amount either in fixed Income or Equity Funds depending on their risk-appetite, investment tenure, and investment objective. Though most of the individuals prefer investing in Mutual Funds via SIP yet, there are some advantages of lump sum investing. So, let us understand the benefits of lump sum investing in Mutual Funds.

Benefits of Lump Sum Investing

Some of the benefits of lump sum investing in Mutual Funds are as follows:

Investment of Big Amount

By option for lump sum mode, individuals can invest a considerable amount in Mutual Funds. As a consequence, when the Market shows a growth period, then the investment value also increases to a large extent as compared to the value of SIP investment.

Ideal for Long-term Tenure

Lump sum investment is suitable for individuals who prefer to invest through long-term. Long-term investment in case of lump sum investment can be considered for an approximate investment tenure of 10 years or more. However, for lump sum investment in Debt fund, individuals can also choose to invest for a medium-term tenure.

Convenience

Lump sum mode is generally convenient for individuals as people who are having a large amount can spread their investments. However, if the investment is done through SIP mode then they have to be careful that the amount is invested at regular intervals.

Invest for the Timing

Whenever investors choose for a long-term investment, they should always look for the market timing. Individuals generally should choose to invest when the markets are already in a slump and is showing growth potentials. In this situation, individuals can earn higher returns through lump sum mode than in comparison to SIP mode. However, if the lump sum investment is done when the markets have already reached a peak, in that case, individuals might end up with a loss.

Lumpsum Investing Benefits

Ready to Invest?
Talk to our investment specialist
Disclaimer:
By submitting this form I authorize Fincash.com to call/SMS/email me about its products and I accept the terms of Privacy Policy and Terms & Conditions.

Best Performing Lump Sum Funds for 2024

Since the lump sum investment is done for a long-term tenure, as a consequence, we can choose to invest in equity category specially in Large cap funds. So, let us look at some of the best performing large-cap Mutual Fund schemes that can be chosen for long-term investment through lump sum mode.

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2023 (%)
Nippon India Large Cap Fund Growth ₹80.7185
↑ 0.36
₹26,138 5,000 6.422.339.524.718.832.1
IDBI India Top 100 Equity Fund Growth ₹44.16
↑ 0.05
₹655 5,000 9.212.515.421.912.6
JM Large Cap Fund Growth ₹150.24
↑ 1.48
₹144 5,000 4.926.546.121.517.829.6
ICICI Prudential Bluechip Fund Growth ₹98
↑ 0.35
₹54,904 5,000 4.521.339.421.318.827.4
HDFC Top 100 Fund Growth ₹1,043.26
↑ 3.45
₹33,170 5,000 3.118.134.820.716.630
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 May 24
*Above is list of best Lump Sum funds having AUM/Net Assets above 100 Crore. Sorted on Last 3 Year Return.

1. Nippon India Large Cap Fund

(Erstwhile Reliance Top 200 Fund)

The primary investment objective of the scheme is to seek to generate long term capital appreciation by investing in equity and equity related instruments of companies whose market capitalization is within the range of highest & lowest market capitalization of S&P BSE 200 Index. The secondary objective is to generate consistent returns by investing in debt and money market securities.

Nippon India Large Cap Fund is a Equity - Large Cap fund was launched on 8 Aug 07. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 13.3% since its launch.  Ranked 20 in Large Cap category.  Return for 2023 was 32.1% , 2022 was 11.3% and 2021 was 32.4% .

Below is the key information for Nippon India Large Cap Fund

Nippon India Large Cap Fund
Growth
Launch Date 8 Aug 07
NAV (17 May 24) ₹80.7185 ↑ 0.36   (0.45 %)
Net Assets (Cr) ₹26,138 on 30 Apr 24
Category Equity - Large Cap
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately High
Expense Ratio 1.86
Sharpe Ratio 2.97
Information Ratio 2.53
Alpha Ratio 9.66
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Apr 19₹10,000
30 Apr 20₹7,676
30 Apr 21₹11,354
30 Apr 22₹14,029
30 Apr 23₹15,921
30 Apr 24₹22,745

Nippon India Large Cap Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656
Invest Now

Returns for Nippon India Large Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 May 24

DurationReturns
1 Month 3%
3 Month 6.4%
6 Month 22.3%
1 Year 39.5%
3 Year 24.7%
5 Year 18.8%
10 Year
15 Year
Since launch 13.3%
Historical performance (Yearly) on absolute basis
YearReturns
2023 32.1%
2022 11.3%
2021 32.4%
2020 4.9%
2019 7.3%
2018 -0.2%
2017 38.4%
2016 2.2%
2015 1.1%
2014 54.6%
Fund Manager information for Nippon India Large Cap Fund
NameSinceTenure
Sailesh Raj Bhan8 Aug 0716.66 Yr.
Ashutosh Bhargava1 Sep 212.58 Yr.
Kinjal Desai25 May 185.86 Yr.

Data below for Nippon India Large Cap Fund as on 30 Apr 24

Equity Sector Allocation
SectorValue
Financial Services36.46%
Consumer Cyclical14.46%
Industrials9.73%
Consumer Defensive9.47%
Energy7.47%
Utility6.03%
Technology5.5%
Basic Materials3.74%
Health Care2.03%
Communication Services1.4%
Asset Allocation
Asset ClassValue
Cash3.7%
Equity96.3%
Other0%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 08 | HDFCBANK
10%₹2,317 Cr16,000,529
↑ 1,000,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK
7%₹1,607 Cr14,700,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Aug 19 | RELIANCE
7%₹1,605 Cr5,400,000
↑ 200,000
State Bank of India (Financial Services)
Equity, Since 31 Oct 10 | SBIN
6%₹1,437 Cr19,100,644
ITC Ltd (Consumer Defensive)
Equity, Since 31 Jan 16 | ITC
5%₹1,254 Cr29,265,000
↑ 3,265,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 07 | LT
4%₹1,016 Cr2,700,529
Bajaj Finance Ltd (Financial Services)
Equity, Since 31 Dec 21 | 500034
3%₹826 Cr1,140,326
↑ 100,000
Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 15 | 532215
3%₹806 Cr7,700,080
Tata Power Co Ltd (Utilities)
Equity, Since 30 Jun 23 | 500400
3%₹749 Cr19,000,000
NTPC Ltd (Utilities)
Equity, Since 30 Apr 20 | 532555
3%₹722 Cr21,500,000

2. IDBI India Top 100 Equity Fund

The Investment objective of the Scheme is to provide investors with the opportunities for long-term capital appreciation by investing predominantly in Equity and Equity related Instruments of Large Cap companies. However there can be no assurance that the investment objective under the Scheme will be realized.

IDBI India Top 100 Equity Fund is a Equity - Large Cap fund was launched on 15 May 12. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 14.2% since its launch.  Ranked 45 in Large Cap category. .

Below is the key information for IDBI India Top 100 Equity Fund

IDBI India Top 100 Equity Fund
Growth
Launch Date 15 May 12
NAV (28 Jul 23) ₹44.16 ↑ 0.05   (0.11 %)
Net Assets (Cr) ₹655 on 30 Jun 23
Category Equity - Large Cap
AMC IDBI Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 2.47
Sharpe Ratio 1.09
Information Ratio 0.14
Alpha Ratio 2.11
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Apr 19₹10,000
30 Apr 20₹9,283
30 Apr 21₹13,402
30 Apr 22₹16,218
30 Apr 23₹17,049

IDBI India Top 100 Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684
Invest Now

Returns for IDBI India Top 100 Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 May 24

DurationReturns
1 Month 3%
3 Month 9.2%
6 Month 12.5%
1 Year 15.4%
3 Year 21.9%
5 Year 12.6%
10 Year
15 Year
Since launch 14.2%
Historical performance (Yearly) on absolute basis
YearReturns
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
Fund Manager information for IDBI India Top 100 Equity Fund
NameSinceTenure

Data below for IDBI India Top 100 Equity Fund as on 30 Jun 23

Equity Sector Allocation
SectorValue
Asset Allocation
Asset ClassValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

3. JM Large Cap Fund

(Erstwhile JM Equity Fund)

The scheme seeks to provide optimum capital growth and appreciation.

JM Large Cap Fund is a Equity - Large Cap fund was launched on 1 Apr 95. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 9.7% since its launch.  Ranked 73 in Large Cap category.  Return for 2023 was 29.6% , 2022 was 3.4% and 2021 was 23.2% .

Below is the key information for JM Large Cap Fund

JM Large Cap Fund
Growth
Launch Date 1 Apr 95
NAV (17 May 24) ₹150.24 ↑ 1.48   (0.99 %)
Net Assets (Cr) ₹144 on 30 Apr 24
Category Equity - Large Cap
AMC JM Financial Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 2.51
Sharpe Ratio 2.91
Information Ratio 0.62
Alpha Ratio 11.29
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-60 Days (1%),60 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Apr 19₹10,000
30 Apr 20₹9,537
30 Apr 21₹12,380
30 Apr 22₹14,280
30 Apr 23₹15,235
30 Apr 24₹22,259

JM Large Cap Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047
Invest Now

Returns for JM Large Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 May 24

DurationReturns
1 Month 4.9%
3 Month 4.9%
6 Month 26.5%
1 Year 46.1%
3 Year 21.5%
5 Year 17.8%
10 Year
15 Year
Since launch 9.7%
Historical performance (Yearly) on absolute basis
YearReturns
2023 29.6%
2022 3.4%
2021 23.2%
2020 18.1%
2019 4.9%
2018 0.8%
2017 20.9%
2016 1.8%
2015 -1.3%
2014 45.5%
Fund Manager information for JM Large Cap Fund
NameSinceTenure
Satish Ramanathan20 Aug 212.62 Yr.
Asit Bhandarkar5 Oct 176.49 Yr.
Gurvinder Wasan1 Dec 221.33 Yr.

Data below for JM Large Cap Fund as on 30 Apr 24

Equity Sector Allocation
SectorValue
Financial Services24.02%
Consumer Cyclical13.79%
Technology12.88%
Basic Materials8.87%
Utility8.67%
Industrials7.36%
Energy7.24%
Health Care6.28%
Consumer Defensive4.87%
Communication Services1.45%
Asset Allocation
Asset ClassValue
Cash4.56%
Equity95.44%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Jul 08 | LT
7%₹9 Cr23,207
↑ 3,150
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 12 | HDFCBANK
7%₹8 Cr56,672
↑ 16,400
Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 24 | RELIANCE
5%₹6 Cr20,000
↑ 20,000
ITC Ltd (Consumer Defensive)
Equity, Since 31 Mar 24 | ITC
5%₹6 Cr135,000
↑ 135,000
Infosys Ltd (Technology)
Equity, Since 30 Apr 15 | INFY
4%₹5 Cr33,398
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jan 11 | ICICIBANK
4%₹5 Cr45,287
↑ 20,000
State Bank of India (Financial Services)
Equity, Since 31 Oct 11 | SBIN
4%₹4 Cr58,397
↑ 8,000
Tata Power Co Ltd (Utilities)
Equity, Since 29 Feb 24 | 500400
3%₹4 Cr104,000
Bank of Baroda (Financial Services)
Equity, Since 30 Nov 22 | 532134
3%₹4 Cr154,250
Dr Reddy's Laboratories Ltd (Healthcare)
Equity, Since 29 Feb 24 | 500124
3%₹4 Cr6,400

4. ICICI Prudential Bluechip Fund

(Erstwhile ICICI Prudential Focused Bluechip Equity Fund)

To generate long-term capital appreciation and income distribution to unit holders from a portfolio that is invested in equity and equity related securities of about 20 companies belonging to the large cap domain and the balance in debt securities and money market instruments. The Fund Manager will always select stocks for investment from among Top 200 stocks in terms of market capitalization on the National Stock Exchange of India Ltd. If the total assets under management under this scheme goes above Rs. 1,000 crores the Fund Manager reserves the right to increase the number of companies to more than 20.

ICICI Prudential Bluechip Fund is a Equity - Large Cap fund was launched on 23 May 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15.3% since its launch.  Ranked 21 in Large Cap category.  Return for 2023 was 27.4% , 2022 was 6.9% and 2021 was 29.2% .

Below is the key information for ICICI Prudential Bluechip Fund

ICICI Prudential Bluechip Fund
Growth
Launch Date 23 May 08
NAV (17 May 24) ₹98 ↑ 0.35   (0.36 %)
Net Assets (Cr) ₹54,904 on 30 Apr 24
Category Equity - Large Cap
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.69
Sharpe Ratio 2.99
Information Ratio 1.17
Alpha Ratio 9.77
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Apr 19₹10,000
30 Apr 20₹8,505
30 Apr 21₹12,622
30 Apr 22₹15,108
30 Apr 23₹16,333
30 Apr 24₹22,955

ICICI Prudential Bluechip Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656
Invest Now

Returns for ICICI Prudential Bluechip Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 May 24

DurationReturns
1 Month 3%
3 Month 4.5%
6 Month 21.3%
1 Year 39.4%
3 Year 21.3%
5 Year 18.8%
10 Year
15 Year
Since launch 15.3%
Historical performance (Yearly) on absolute basis
YearReturns
2023 27.4%
2022 6.9%
2021 29.2%
2020 13.5%
2019 9.8%
2018 -0.8%
2017 32.7%
2016 7.7%
2015 -0.2%
2014 41.1%
Fund Manager information for ICICI Prudential Bluechip Fund
NameSinceTenure
Anish Tawakley5 Sep 185.58 Yr.
Vaibhav Dusad18 Jan 213.2 Yr.
Sharmila D’mello31 Jul 221.67 Yr.

Data below for ICICI Prudential Bluechip Fund as on 30 Apr 24

Equity Sector Allocation
SectorValue
Financial Services22.25%
Energy12.49%
Consumer Cyclical11.23%
Industrials10.23%
Technology8.2%
Basic Materials6.16%
Consumer Defensive6.09%
Health Care5.95%
Communication Services4.1%
Utility3.26%
Real Estate1.39%
Asset Allocation
Asset ClassValue
Cash8.65%
Equity91.35%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 08 | ICICIBANK
8%₹4,430 Cr40,518,440
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 08 | RELIANCE
8%₹4,331 Cr14,574,648
↑ 275,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Jan 12 | LT
7%₹3,771 Cr10,017,834
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Apr 16 | MARUTI
5%₹2,651 Cr2,103,659
Infosys Ltd (Technology)
Equity, Since 30 Nov 10 | INFY
5%₹2,519 Cr16,812,789
Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 14 | 532215
4%₹2,341 Cr22,358,608
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Aug 09 | BHARTIARTL
4%₹2,131 Cr17,348,738
UltraTech Cement Ltd (Basic Materials)
Equity, Since 30 Sep 17 | ULTRACEMCO
4%₹2,035 Cr2,087,320
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK
3%₹1,870 Cr12,918,438
↑ 2,370,490
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Jul 15 | SUNPHARMA
3%₹1,437 Cr8,869,143

5. HDFC Top 100 Fund

(Erstwhile HDFC Top 200)

To generate long term capital appreciation from a portfolio of equity and equity linked instruments. The investment portfolio for equity and equity linked instruments will be primarily drawn from the companies in the BSE 200 Index. Further, the Scheme may also invest in listed companies that would qualify to be in the top 200 by market capitalisation on the BSE even though they may not be listed on the BSE. This includes participation in large Ipos where in the market capitalisation of the company based on issue price would make the company a part of the top 200 companies listed on the BSE based on market capitalisation.

HDFC Top 100 Fund is a Equity - Large Cap fund was launched on 11 Oct 96. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 19.2% since its launch.  Ranked 43 in Large Cap category.  Return for 2023 was 30% , 2022 was 10.6% and 2021 was 28.5% .

Below is the key information for HDFC Top 100 Fund

HDFC Top 100 Fund
Growth
Launch Date 11 Oct 96
NAV (17 May 24) ₹1,043.26 ↑ 3.45   (0.33 %)
Net Assets (Cr) ₹33,170 on 30 Apr 24
Category Equity - Large Cap
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.77
Sharpe Ratio 2.32
Information Ratio 1.16
Alpha Ratio 3.54
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Apr 19₹10,000
30 Apr 20₹7,769
30 Apr 21₹11,346
30 Apr 22₹13,689
30 Apr 23₹15,231
30 Apr 24₹20,785

HDFC Top 100 Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689
Invest Now

Returns for HDFC Top 100 Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 May 24

DurationReturns
1 Month 2%
3 Month 3.1%
6 Month 18.1%
1 Year 34.8%
3 Year 20.7%
5 Year 16.6%
10 Year
15 Year
Since launch 19.2%
Historical performance (Yearly) on absolute basis
YearReturns
2023 30%
2022 10.6%
2021 28.5%
2020 5.9%
2019 7.7%
2018 0.1%
2017 32%
2016 8.5%
2015 -6.1%
2014 46.5%
Fund Manager information for HDFC Top 100 Fund
NameSinceTenure
Rahul Baijal29 Jul 221.68 Yr.
Dhruv Muchhal22 Jun 230.78 Yr.

Data below for HDFC Top 100 Fund as on 30 Apr 24

Equity Sector Allocation
SectorValue
Financial Services32.21%
Energy11.77%
Technology9.26%
Industrials8.47%
Consumer Defensive7.63%
Health Care7.13%
Consumer Cyclical6.39%
Utility5.67%
Communication Services4.53%
Basic Materials3.26%
Asset Allocation
Asset ClassValue
Cash3.67%
Equity96.33%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 05 | ICICIBANK
10%₹3,153 Cr28,840,474
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 10 | HDFCBANK
8%₹2,444 Cr16,876,319
↑ 500,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 06 | RELIANCE
7%₹2,320 Cr7,806,781
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Aug 06 | LT
6%₹1,905 Cr5,061,271
NTPC Ltd (Utilities)
Equity, Since 30 Jun 15 | 532555
6%₹1,836 Cr54,669,743
Infosys Ltd (Technology)
Equity, Since 31 Aug 04 | INFY
5%₹1,585 Cr10,579,648
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 20 | BHARTIARTL
5%₹1,465 Cr11,921,785
ITC Ltd (Consumer Defensive)
Equity, Since 31 Jan 03 | ITC
4%₹1,357 Cr31,691,145
Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 07 | 532215
4%₹1,226 Cr11,702,714
Coal India Ltd (Energy)
Equity, Since 30 Sep 17 | COALINDIA
4%₹1,196 Cr27,557,721

Lump Sum Calculator

Lump sum calculator is an instrument that helps individuals to understand how much will be the value of their Lump Sum Investment in Mutual Funds at the end of the investment tenure. The input data that needs to be fed in the calculator include tenure of lump sum investment, amount of lump sum investment, expected the long-term growth rate in the equity markets, expected long-term Inflation rate. So, let us understand the concept of how to use a lump sum calculator.

Lump Sum Investment: INR 35,000

Investment Tenure: 20 Years

Long-term Growth Rate (Approx.): 15%

Long-term Inflation Rate (Approx.): 4%

Expected Returns as per Lump Sum Calculator: INR 2,82,181

Net Profit on the Investment: INR 2,47,181

Lump-Sum-Calculator

Thus, the above calculation shows that the net profit on the investment on your investment is INR 2,47,181 while the total value of your investment is INR 2,82,181.

Thus, from the above pointers, it can be said that lump sum mode of investing also has its advantages. However, individuals should be cautious while choosing lump sum mode of investment. They should check whether such mode is suitable for them or not. If individuals are not very comfortable with lump sum mode, then they can choose for STP or Systematic Transfer Plan in which they first invest the lump sum amount in a Liquid Fund and then transfer it systematically to equity fund at regular intervals.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
How helpful was this page ?
Rated 5, based on 1 reviews.
POST A COMMENT