Table of Contents
- Benefits of Lump Sum Investing
- Best Performing Lump Sum Funds for 2023
- Lump Sum Calculator
Top 5 Equity - Large Cap Funds
Benefits of Lump Sum Investing in Mutual Funds
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.
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Best Performing Lump Sum Funds for 2023
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.
Fund NAV Net Assets (Cr) Min Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2022 (%) ICICI Prudential Bluechip Fund Growth ₹68.24
↓ -0.27 ₹35,049 5,000 -2.2 3.8 2.2 15.8 10.4 6.9 Nippon India Large Cap Fund Growth ₹54.3943
↑ 0.08 ₹12,612 5,000 -2 4.3 6.4 15.5 9.7 11.3 IDBI India Top 100 Equity Fund Growth ₹39.38
↓ -0.11 ₹614 5,000 -4.2 0.5 -1.3 15.1 9.7 2.9 HDFC Top 100 Fund Growth ₹740.708
↓ -2.32 ₹22,703 5,000 -1.3 4.5 5.3 15.1 9.1 10.6 SBI Bluechip Fund Growth ₹62.8009
↑ 0.07 ₹34,622 5,000 -2 2.9 2.6 14.7 9.8 4.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Feb 23 Lump Sum funds having AUM/Net Assets above 100 Crore. Sorted on Last 3 Year Return.
(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 Below is the key information for ICICI Prudential Bluechip Fund Returns up to 1 year are on (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 Below is the key information for Nippon India Large Cap Fund Returns up to 1 year are on 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 Below is the key information for IDBI India Top 100 Equity Fund Returns up to 1 year are on (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 Below is the key information for HDFC Top 100 Fund Returns up to 1 year are on (Erstwhile SBI Blue Chip Fund) To provide investors with opportunities for long-term growth in capital through an active management of investments in a diversified basket of equity stocks of companies whose market capitalization is at least equal to or more than the least market capitalized stock of S&P BSE 100 Index. SBI Bluechip Fund is a Equity - Large Cap fund was launched on 14 Feb 06. It is a fund with Moderately High risk and has given a Below is the key information for SBI Bluechip Fund Returns up to 1 year are on 1. ICICI Prudential Bluechip Fund
CAGR/Annualized return of 14% since its launch. Ranked 21 in Large Cap category. Return for 2022 was 6.9% , 2021 was 29.2% and 2020 was 13.5% . ICICI Prudential Bluechip Fund
Growth Launch Date 23 May 08 NAV (01 Feb 23) ₹68.24 ↓ -0.27 (-0.39 %) Net Assets (Cr) ₹35,049 on 31 Dec 22 Category Equity - Large Cap AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.72 Sharpe Ratio 0.19 Information Ratio 0.19 Alpha Ratio 1.73 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.
Date Value 31 Jan 18 ₹10,000 31 Jan 19 ₹9,514 31 Jan 20 ₹10,527 31 Jan 21 ₹11,963 31 Jan 22 ₹15,791 31 Jan 23 ₹16,402 Returns for ICICI Prudential Bluechip Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23 Duration Returns 1 Month -2.1% 3 Month -2.2% 6 Month 3.8% 1 Year 2.2% 3 Year 15.8% 5 Year 10.4% 10 Year 15 Year Since launch 14% Historical performance (Yearly) on absolute basis
Year Returns 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% 2013 10.2% Fund Manager information for ICICI Prudential Bluechip Fund
Name Since Tenure Anish Tawakley 5 Sep 18 4.33 Yr. Vaibhav Dusad 18 Jan 21 1.95 Yr. Sharmila D’mello 31 Jul 22 0.42 Yr. Data below for ICICI Prudential Bluechip Fund as on 31 Dec 22
Equity Sector Allocation
Sector Value Financial Services 32.86% Technology 11.66% Energy 10.59% Industrials 8.12% Consumer Cyclical 7.87% Consumer Defensive 5.66% Basic Materials 5.13% Health Care 5.01% Communication Services 4.17% Utility 1.67% Real Estate 0.32% Asset Allocation
Asset Class Value Cash 6.92% Equity 93.08% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 08 | ICICIBANK9% ₹3,303 Cr 37,081,597 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK8% ₹2,942 Cr 18,067,127 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 08 | RELIANCE8% ₹2,847 Cr 11,176,768
↑ 341,700 Infosys Ltd (Technology)
Equity, Since 30 Nov 10 | INFY7% ₹2,375 Cr 15,748,891
↓ -111,064 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Jan 12 | LT7% ₹2,354 Cr 11,287,707 Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 14 | AXISBANK6% ₹2,049 Cr 21,943,716
↓ -189,500 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Aug 09 | BHARTIARTL4% ₹1,275 Cr 15,819,593
↓ -215,000 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Apr 16 | MARUTI3% ₹1,117 Cr 1,331,033
↑ 245,317 SBI Life Insurance Company Limited (Financial Services)
Equity, Since 30 Apr 18 | SBILIFE3% ₹998 Cr 8,105,786
↓ -622,564 UltraTech Cement Ltd (Basic Materials)
Equity, Since 30 Sep 17 | 5325383% ₹987 Cr 1,418,576 2. Nippon India Large Cap Fund
CAGR/Annualized return of 11.6% since its launch. Ranked 20 in Large Cap category. Return for 2022 was 11.3% , 2021 was 32.4% and 2020 was 4.9% . Nippon India Large Cap Fund
Growth Launch Date 8 Aug 07 NAV (01 Feb 23) ₹54.3943 ↑ 0.08 (0.15 %) Net Assets (Cr) ₹12,612 on 31 Dec 22 Category Equity - Large Cap AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.88 Sharpe Ratio 0.44 Information Ratio -0.09 Alpha Ratio 4.97 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.
Date Value 31 Jan 18 ₹10,000 31 Jan 19 ₹9,665 31 Jan 20 ₹10,351 31 Jan 21 ₹10,886 31 Jan 22 ₹14,806 31 Jan 23 ₹15,906 Returns for Nippon India Large Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23 Duration Returns 1 Month -1.4% 3 Month -2% 6 Month 4.3% 1 Year 6.4% 3 Year 15.5% 5 Year 9.7% 10 Year 15 Year Since launch 11.6% Historical performance (Yearly) on absolute basis
Year Returns 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% 2013 4.2% Fund Manager information for Nippon India Large Cap Fund
Name Since Tenure Sailesh Raj Bhan 8 Aug 07 15.41 Yr. Ashutosh Bhargava 1 Sep 21 1.33 Yr. Kinjal Desai 25 May 18 4.61 Yr. Akshay Sharma 1 Dec 22 0.08 Yr. Data below for Nippon India Large Cap Fund as on 31 Dec 22
Equity Sector Allocation
Sector Value Financial Services 36.52% Consumer Cyclical 12.74% Industrials 12% Technology 9.18% Consumer Defensive 8.66% Energy 8.34% Health Care 3.95% Basic Materials 2.43% Utility 2.07% Communication Services 1.14% Asset Allocation
Asset Class Value Cash 2.97% Equity 97.03% Top Securities Holdings / Portfolio
Name Holding Value Quantity Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 30 Nov 19 | HDFC7% ₹844 Cr 3,200,315
↓ -600,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Aug 19 | RELIANCE7% ₹841 Cr 3,300,000
↑ 300,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 07 | LT7% ₹834 Cr 4,000,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 08 | HDFCBANK6% ₹737 Cr 4,524,000 State Bank of India (Financial Services)
Equity, Since 31 Oct 10 | SBIN6% ₹736 Cr 12,000,644 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK5% ₹668 Cr 7,500,000 ITC Ltd (Consumer Defensive)
Equity, Since 31 Jan 16 | ITC5% ₹580 Cr 17,500,000
↓ -1,000,000 Infosys Ltd (Technology)
Equity, Since 30 Sep 07 | INFY4% ₹543 Cr 3,600,084 Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 15 | AXISBANK4% ₹514 Cr 5,500,080 HCL Technologies Ltd (Technology)
Equity, Since 31 Aug 19 | HCLTECH4% ₹457 Cr 4,400,927 3. IDBI India Top 100 Equity Fund
CAGR/Annualized return of 13.6% since its launch. Ranked 45 in Large Cap category. Return for 2022 was 2.9% , 2021 was 31.2% and 2020 was 16.4% . IDBI India Top 100 Equity Fund
Growth Launch Date 15 May 12 NAV (01 Feb 23) ₹39.38 ↓ -0.11 (-0.28 %) Net Assets (Cr) ₹614 on 31 Dec 22 Category Equity - Large Cap AMC IDBI Asset Management Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 2.47 Sharpe Ratio -0.05 Information Ratio 0.23 Alpha Ratio -1.88 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.
Date Value 31 Jan 18 ₹10,000 31 Jan 19 ₹9,036 31 Jan 20 ₹10,403 31 Jan 21 ₹11,839 31 Jan 22 ₹15,851 31 Jan 23 ₹15,923 Returns for IDBI India Top 100 Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23 Duration Returns 1 Month -3% 3 Month -4.2% 6 Month 0.5% 1 Year -1.3% 3 Year 15.1% 5 Year 9.7% 10 Year 15 Year Since launch 13.6% Historical performance (Yearly) on absolute basis
Year Returns 2022 2.9% 2021 31.2% 2020 16.4% 2019 12.7% 2018 -5.9% 2017 28% 2016 1.5% 2015 3.2% 2014 40.6% 2013 7.2% Fund Manager information for IDBI India Top 100 Equity Fund
Name Since Tenure Alok Ranjan 16 Aug 21 1.38 Yr. Data below for IDBI India Top 100 Equity Fund as on 31 Dec 22
Equity Sector Allocation
Sector Value Financial Services 38.47% Consumer Cyclical 11.95% Technology 11.93% Basic Materials 9.58% Industrials 7.3% Energy 6.88% Consumer Defensive 4.35% Health Care 4% Real Estate 2.39% Communication Services 1.26% Asset Allocation
Asset Class Value Cash 1.88% Equity 98.12% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 16 | HDFCBANK8% ₹50 Cr 307,182 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 16 | ICICIBANK7% ₹45 Cr 509,292 Reliance Industries Ltd (Energy)
Equity, Since 30 Sep 18 | RELIANCE7% ₹42 Cr 165,794 State Bank of India (Financial Services)
Equity, Since 30 Nov 20 | SBIN6% ₹35 Cr 566,957 Infosys Ltd (Technology)
Equity, Since 31 Mar 18 | INFY5% ₹32 Cr 209,877 Axis Bank Ltd (Financial Services)
Equity, Since 31 Jul 19 | AXISBANK5% ₹31 Cr 326,703 Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 30 Jun 12 | HDFC4% ₹27 Cr 102,448 Tata Consultancy Services Ltd (Technology)
Equity, Since 28 Feb 19 | TCS3% ₹17 Cr 53,247 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Jul 17 | LT3% ₹16 Cr 77,348 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 28 Feb 19 | KOTAKBANK2% ₹15 Cr 81,223 4. HDFC Top 100 Fund
CAGR/Annualized return of 18.7% since its launch. Ranked 43 in Large Cap category. Return for 2022 was 10.6% , 2021 was 28.5% and 2020 was 5.9% . HDFC Top 100 Fund
Growth Launch Date 11 Oct 96 NAV (01 Feb 23) ₹740.708 ↓ -2.32 (-0.31 %) Net Assets (Cr) ₹22,703 on 31 Dec 22 Category Equity - Large Cap AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 1.79 Sharpe Ratio 0.42 Information Ratio -0.16 Alpha Ratio 5.3 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.
Date Value 31 Jan 18 ₹10,000 31 Jan 19 ₹9,671 31 Jan 20 ₹10,092 31 Jan 21 ₹10,983 31 Jan 22 ₹14,465 31 Jan 23 ₹15,419 Returns for HDFC Top 100 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23 Duration Returns 1 Month -1.7% 3 Month -1.3% 6 Month 4.5% 1 Year 5.3% 3 Year 15.1% 5 Year 9.1% 10 Year 15 Year Since launch 18.7% Historical performance (Yearly) on absolute basis
Year Returns 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% 2013 4% Fund Manager information for HDFC Top 100 Fund
Name Since Tenure Rahul Baijal 29 Jul 22 0.43 Yr. Priya Ranjan 1 May 22 0.67 Yr. Data below for HDFC Top 100 Fund as on 31 Dec 22
Equity Sector Allocation
Sector Value Financial Services 39.48% Energy 12.52% Technology 10.9% Consumer Defensive 6.67% Industrials 6.17% Health Care 4.84% Utility 4.01% Consumer Cyclical 3.81% Communication Services 3.35% Basic Materials 2.78% Asset Allocation
Asset Class Value Cash 5.47% Equity 94.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 10 | HDFCBANK9% ₹1,993 Cr 12,237,961 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 05 | ICICIBANK9% ₹1,985 Cr 22,277,522 Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 06 | RELIANCE7% ₹1,540 Cr 6,046,781 Infosys Ltd (Technology)
Equity, Since 31 Aug 04 | INFY6% ₹1,375 Cr 9,119,648 Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 30 Jun 08 | HDFC6% ₹1,249 Cr 4,734,142 ITC Ltd (Consumer Defensive)
Equity, Since 31 Jan 03 | ITC5% ₹1,038 Cr 31,318,755 State Bank of India (Financial Services)
Equity, Since 31 Jan 03 | SBIN4% ₹1,007 Cr 16,412,380 NTPC Ltd (Utilities)
Equity, Since 30 Jun 15 | NTPC4% ₹910 Cr 54,669,743 Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 07 | AXISBANK4% ₹883 Cr 9,452,714 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Aug 06 | LT4% ₹877 Cr 4,203,556 5. SBI Bluechip Fund
CAGR/Annualized return of 11.4% since its launch. Ranked 9 in Large Cap category. Return for 2022 was 4.4% , 2021 was 26.1% and 2020 was 16.3% . SBI Bluechip Fund
Growth Launch Date 14 Feb 06 NAV (01 Feb 23) ₹62.8009 ↑ 0.07 (0.12 %) Net Assets (Cr) ₹34,622 on 31 Dec 22 Category Equity - Large Cap AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.73 Sharpe Ratio 0.02 Information Ratio -0.27 Alpha Ratio -1.58 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.
Date Value 31 Jan 18 ₹10,000 31 Jan 19 ₹9,250 31 Jan 20 ₹10,620 31 Jan 21 ₹12,074 31 Jan 22 ₹15,385 31 Jan 23 ₹15,989 Returns for SBI Bluechip Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23 Duration Returns 1 Month -1.3% 3 Month -2% 6 Month 2.9% 1 Year 2.6% 3 Year 14.7% 5 Year 9.8% 10 Year 15 Year Since launch 11.4% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.4% 2021 26.1% 2020 16.3% 2019 11.6% 2018 -4.1% 2017 30.2% 2016 4.8% 2015 8% 2014 47.9% 2013 7.6% Fund Manager information for SBI Bluechip Fund
Name Since Tenure Sohini Andani 1 Sep 10 12.34 Yr. Mohit Jain 30 Nov 17 5.09 Yr. Data below for SBI Bluechip Fund as on 31 Dec 22
Equity Sector Allocation
Sector Value Financial Services 33.9% Consumer Cyclical 13.8% Industrials 8.92% Consumer Defensive 7.58% Technology 7.02% Health Care 6.89% Energy 6.01% Basic Materials 5.51% Real Estate 2.07% Communication Services 2.03% Asset Allocation
Asset Class Value Cash 6.01% Equity 93.99% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 09 | HDFCBANK9% ₹3,175 Cr 19,500,000
↑ 243,066 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 06 | ICICIBANK8% ₹2,712 Cr 30,443,104 Infosys Ltd (Technology)
Equity, Since 30 Nov 17 | INFY5% ₹1,634 Cr 10,835,178
↓ -300,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 15 | RELIANCE5% ₹1,597 Cr 6,270,915 Larsen & Toubro Ltd (Industrials)
Equity, Since 28 Feb 09 | LT5% ₹1,577 Cr 7,562,209 ITC Ltd (Consumer Defensive)
Equity, Since 29 Feb 12 | ITC5% ₹1,558 Cr 47,000,000
↑ 3,000,000 State Bank of India (Financial Services)
Equity, Since 28 Feb 14 | SBIN4% ₹1,249 Cr 20,349,243
↑ 2,000,000 Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 30 Nov 15 | HDFC4% ₹1,240 Cr 4,700,000
↓ -300,000 Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | AXISBANK3% ₹1,005 Cr 10,761,751 Divi's Laboratories Ltd (Healthcare)
Equity, Since 31 Mar 12 | DIVISLAB3% ₹938 Cr 2,748,463
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
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.
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.
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