Fincash » Mutual Funds » Lump Sum Investment in Mutual Funds
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Do you know that you can invest a lump sum amount in Mutual Funds? If yes, then it's good. However, if no, then don’t worry. This article will guide you through the same. Lump sum investment in Mutual Funds refers to a situation when an individual invests money in Mutual Funds at one-time. Here, the deposit does not take place at multiple times. There is a lot of difference between the SIP and lump sum mode of investment. So, let us understand the concept of Lump sum investment in Mutual Funds, best mutual funds for lump sum investment, things to be considered during lump sum investment, Mutual Fund Lump sum return calculator, and other related aspects through this article.
Lump sum investment in Mutual Fund is a scenario where individuals invest in Mutual Funds for only once. However, in contrast to SIP mode of investment where individuals deposit small amounts in lump sum mode, individuals deposit a considerable amount. In other words, it is a one-shot technique of Investing in Mutual Funds. Lump sum mode of investing in suitable for investors who have excess funds that are lying ideal in their Bank account and are looking to for channels to earn more Income by investing in Mutual Funds.
Before you invest in Mutual Funds through lump sum mode, individuals need to consider various parameters such as AUM, investment amount, and much more. So, based on these parameters some of the best Mutual Funds for Lump sum investment are as follows.
Equity Funds are the schemes that invest their corpus in equity and equity-related instruments of various companies. These schemes are considered to be a good option for long-term investment. Though individuals can invest lump sum amount in equity funds yet the recommended technique of investing in equity funds is either through SIP or Systematic Transfer Plan (STP) mode. In STP mode, individuals first deposit a considerable money in Debt fund such as Liquid Funds and then the money is transferred at regular intervals in equity funds. Some of the Equity Mutual Funds that can be considered for investment are as follows.
Fund NAV Net Assets (Cr) Min Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Nippon India Small Cap Fund Growth ₹172.095
↑ 0.92 ₹63,007 5,000 14.5 -1.7 0.9 30.8 37.5 26.1 ICICI Prudential Infrastructure Fund Growth ₹199.43
↑ 1.24 ₹7,920 5,000 11.6 6.9 5.3 36 37.5 27.4 Motilal Oswal Midcap 30 Fund Growth ₹103.517
↑ 0.21 ₹30,401 5,000 11.5 -7.1 10 35.4 36.2 57.1 HDFC Infrastructure Fund Growth ₹48.416
↑ 0.32 ₹2,540 5,000 11.6 3.7 0.8 36.5 34.9 23 IDFC Infrastructure Fund Growth ₹51.897
↑ 0.64 ₹1,701 5,000 12.7 0.3 -4.5 35.8 34.8 39.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Jun 25
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Debt Funds invest their fund money in different Fixed Income instruments like treasury bills, corporate Bonds, and much more. These schemes are considered as a good option for short and medium term. Many individuals choose to invest lump sum money in Debt Mutual Funds. Some of the Best Debt Funds that can be chosen for lump sum investment are as follows.
Fund NAV Net Assets (Cr) Min Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Medium Term Plan Growth ₹39.941
↑ 0.01 ₹2,504 1,000 3.1 7.7 13.9 14.9 10.5 7.43% 3Y 7M 17D 4Y 10M 20D DSP BlackRock Credit Risk Fund Growth ₹49.6565
↓ -0.01 ₹210 1,000 3 18.4 23 14.8 7.8 7.32% 1Y 11M 5D 2Y 7M 17D Aditya Birla Sun Life Credit Risk Fund Growth ₹22.3607
↑ 0.03 ₹993 1,000 3.1 9.1 16.7 11.3 11.9 7.8% 2Y 4M 2D 3Y 7M 13D L&T Credit Risk Fund Growth ₹32.3165
↓ 0.00 ₹657 10,000 13.7 17.2 21.4 11.2 7.2 7.19% 2Y 1M 17D 2Y 10M 6D Franklin India Credit Risk Fund Growth ₹25.3348
↑ 0.04 ₹104 5,000 2.9 5 7.5 11 0% Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Jun 25
Hybrid funds also known as Balanced Fund invest their money in both equity and fixed income instruments. These schemes are suitable for individuals looking for Capital generation along with regular income. Also known as balanced schemes, individuals can choose to invest lump sum amount in hybrid schemes. Some of the best hybrid funds for lump sum investment are listed below.
Fund NAV Net Assets (Cr) Min Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) JM Equity Hybrid Fund Growth ₹123.073
↑ 0.04 ₹822 5,000 8.4 -1 0.5 25.2 27.1 27 BOI AXA Mid and Small Cap Equity and Debt Fund Growth ₹38.58
↑ 0.12 ₹1,198 5,000 10.5 -0.9 3.3 24 27.3 25.8 HDFC Balanced Advantage Fund Growth ₹524.769
↑ 1.65 ₹100,299 5,000 6.8 5 6.4 23.4 24.8 16.7 ICICI Prudential Equity and Debt Fund Growth ₹395.68
↑ 1.26 ₹43,159 5,000 7.2 8.6 10.1 22.9 26.2 17.2 UTI Multi Asset Fund Growth ₹74.7913
↑ 0.07 ₹5,659 5,000 7.1 4.6 8.7 22.7 17.3 20.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Jun 25
The Portfolio of an index fund consists of the shares and other instruments in the same proportion as they are in the index. In other words, these schemes mimic the performance of an index. These are passively managed funds and can be considered as a good option for lump sum investment. Some of the best Index Funds that can be chosen for lump sum investment are as follows.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Nippon India Index Fund - Sensex Plan Growth ₹42.7178
↑ 0.22 ₹890 8.7 7.1 7 17.3 19.6 8.9 LIC MF Index Fund Sensex Growth ₹157.239
↑ 0.83 ₹89 8.6 7 6.1 16.7 19.2 8.2 Franklin India Index Fund Nifty Plan Growth ₹206.405
↑ 1.02 ₹737 9 8.1 7.3 18 20.3 9.5 SBI Nifty Index Fund Growth ₹226.18
↑ 1.12 ₹9,839 9.1 8.2 7.3 18.2 20.6 9.5 IDBI Nifty Index Fund Growth ₹36.2111
↓ -0.02 ₹208 9.1 11.9 16.2 20.3 11.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Jun 25
The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of BGF – USFEF. The Scheme may, at the discretion of the Investment Manager also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or money market/liquid schemes of DSP BlackRock Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized. It shall be noted ‘similar overseas mutual fund schemes’ shall have investment objective, investment strategy and risk profile/consideration similar to those of BGF – USFEF. DSP BlackRock US Flexible Equity Fund is a Equity - Global fund was launched on 3 Aug 12. It is a fund with High risk and has given a Below is the key information for DSP BlackRock US Flexible Equity Fund Returns up to 1 year are on The Scheme seeks to provide long term capital appreciation by investing in a portfolio that is predominantly constituted of equity and equity related instruments of mid cap companies. However, there can be no assurance that the funds objectives will be achieved. Invesco India Mid Cap Fund is a Equity - Mid Cap fund was launched on 19 Apr 07. It is a fund with Moderately High risk and has given a Below is the key information for Invesco India Mid Cap Fund Returns up to 1 year are on (Erstwhile Invesco India Growth Fund) The investment objective of the Scheme is to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities. However, there can be no assurance that the objectives of the scheme will be achieved. Invesco India Growth Opportunities Fund is a Equity - Large & Mid Cap fund was launched on 9 Aug 07. It is a fund with Moderately High risk and has given a Below is the key information for Invesco India Growth Opportunities Fund Returns up to 1 year are on The Fund seeks to provide capital appreciation by investing predominantly in units of Franklin U. S. Opportunities Fund, an overseas Franklin Templeton mutual fund, which primarily invests in securities in the United States of America. Franklin India Feeder - Franklin U S Opportunities Fund is a Equity - Global fund was launched on 6 Feb 12. It is a fund with High risk and has given a Below is the key information for Franklin India Feeder - Franklin U S Opportunities Fund Returns up to 1 year are on The investment objective of the scheme is to provide long-term capital appreciation by investing in an overseas mutual fund scheme that invests in a diversified portfolio of securities as prescribed by SEBI from time to time in global emerging markets. Kotak Global Emerging Market Fund is a Equity - Global fund was launched on 26 Sep 07. It is a fund with High risk and has given a Below is the key information for Kotak Global Emerging Market Fund Returns up to 1 year are on 1. DSP BlackRock US Flexible Equity Fund
CAGR/Annualized
return of 15.3% since its launch. Ranked 3 in Global
category. Return for 2024 was 17.8% , 2023 was 22% and 2022 was -5.9% . DSP BlackRock US Flexible Equity Fund
Growth Launch Date 3 Aug 12 NAV (26 Jun 25) ₹62.5663 ↑ 0.03 (0.05 %) Net Assets (Cr) ₹866 on 31 May 25 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆☆ Risk High Expense Ratio 1.54 Sharpe Ratio 0.28 Information Ratio -0.7 Alpha Ratio -6.37 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹13,949 31 May 22 ₹14,457 31 May 23 ₹15,546 31 May 24 ₹18,855 31 May 25 ₹20,914 Returns for DSP BlackRock US Flexible Equity Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 26 Jun 25 Duration Returns 1 Month 8.9% 3 Month 12.2% 6 Month 9.7% 1 Year 15.7% 3 Year 18.2% 5 Year 17.1% 10 Year 15 Year Since launch 15.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 17.8% 2023 22% 2022 -5.9% 2021 24.2% 2020 22.6% 2019 27.5% 2018 -1.1% 2017 15.5% 2016 9.8% 2015 2.5% Fund Manager information for DSP BlackRock US Flexible Equity Fund
Name Since Tenure Jay Kothari 1 Mar 13 12.26 Yr. Data below for DSP BlackRock US Flexible Equity Fund as on 31 May 25
Equity Sector Allocation
Sector Value Technology 28.22% Financial Services 20.08% Health Care 15.02% Communication Services 11.49% Consumer Cyclical 9.51% Industrials 6.16% Energy 3.9% Basic Materials 3.79% Asset Allocation
Asset Class Value Cash 1.82% Equity 98.17% Debt 0.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF US Flexible Equity I2
Investment Fund | -99% ₹758 Cr 2,052,864
↓ -13,756 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -1% ₹11 Cr Net Receivables/Payables
Net Current Assets | -1% -₹4 Cr 2. Invesco India Mid Cap Fund
CAGR/Annualized
return of 17.2% since its launch. Ranked 38 in Mid Cap
category. Return for 2024 was 43.1% , 2023 was 34.1% and 2022 was 0.5% . Invesco India Mid Cap Fund
Growth Launch Date 19 Apr 07 NAV (27 Jun 25) ₹180.24 ↑ 0.62 (0.35 %) Net Assets (Cr) ₹6,641 on 31 May 25 Category Equity - Mid Cap AMC Invesco Asset Management (India) Private Ltd Rating ☆☆ Risk Moderately High Expense Ratio 1.89 Sharpe Ratio 0.69 Information Ratio 0 Alpha Ratio 0 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 May 20 ₹10,000 31 May 21 ₹16,865 31 May 22 ₹18,479 31 May 23 ₹21,793 31 May 24 ₹31,587 31 May 25 ₹38,644 Returns for Invesco India Mid Cap Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 26 Jun 25 Duration Returns 1 Month 7.7% 3 Month 18% 6 Month 4.4% 1 Year 17.3% 3 Year 32.9% 5 Year 30.9% 10 Year 15 Year Since launch 17.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 43.1% 2023 34.1% 2022 0.5% 2021 43.1% 2020 24.4% 2019 3.8% 2018 -5.3% 2017 44.3% 2016 1.1% 2015 6.4% Fund Manager information for Invesco India Mid Cap Fund
Name Since Tenure Aditya Khemani 9 Nov 23 1.56 Yr. Amit Ganatra 1 Sep 23 1.75 Yr. Data below for Invesco India Mid Cap Fund as on 31 May 25
Equity Sector Allocation
Sector Value Financial Services 26.33% Health Care 18.64% Consumer Cyclical 16.77% Industrials 11.18% Technology 9.21% Basic Materials 7.94% Real Estate 7.87% Communication Services 1.97% Asset Allocation
Asset Class Value Cash 0.07% Equity 99.93% Top Securities Holdings / Portfolio
Name Holding Value Quantity BSE Ltd (Financial Services)
Equity, Since 31 Dec 23 | BSE5% ₹322 Cr 506,411 L&T Finance Ltd (Financial Services)
Equity, Since 31 Dec 23 | LTF5% ₹277 Cr 16,854,973 Prestige Estates Projects Ltd (Real Estate)
Equity, Since 30 Nov 23 | PRESTIGE4% ₹260 Cr 1,893,617
↑ 236,434 Dixon Technologies (India) Ltd (Technology)
Equity, Since 28 Feb 22 | DIXON4% ₹256 Cr 155,335 Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 31 Dec 22 | MAXHEALTH4% ₹247 Cr 2,246,434 The Federal Bank Ltd (Financial Services)
Equity, Since 31 Oct 22 | FEDERALBNK4% ₹246 Cr 12,506,782 Trent Ltd (Consumer Cyclical)
Equity, Since 30 Apr 21 | 5002514% ₹228 Cr 441,151
↑ 20,000 JK Cement Ltd (Basic Materials)
Equity, Since 31 Oct 22 | JKCEMENT4% ₹220 Cr 431,234 Max Financial Services Ltd (Financial Services)
Equity, Since 30 Nov 23 | 5002714% ₹220 Cr 1,684,103 HDFC Asset Management Co Ltd (Financial Services)
Equity, Since 31 Jan 25 | HDFCAMC3% ₹192 Cr 439,084
↑ 101,760 3. Invesco India Growth Opportunities Fund
CAGR/Annualized
return of 13.8% since its launch. Ranked 6 in Large & Mid Cap
category. Return for 2024 was 37.5% , 2023 was 31.6% and 2022 was -0.4% . Invesco India Growth Opportunities Fund
Growth Launch Date 9 Aug 07 NAV (27 Jun 25) ₹101.69 ↑ 0.31 (0.31 %) Net Assets (Cr) ₹7,274 on 31 May 25 Category Equity - Large & Mid Cap AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.88 Sharpe Ratio 0.63 Information Ratio 0.84 Alpha Ratio 8.7 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 May 20 ₹10,000 31 May 21 ₹15,628 31 May 22 ₹16,358 31 May 23 ₹18,714 31 May 24 ₹27,251 31 May 25 ₹32,512 Returns for Invesco India Growth Opportunities Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 26 Jun 25 Duration Returns 1 Month 7.4% 3 Month 16.8% 6 Month 5.4% 1 Year 15.4% 3 Year 30.4% 5 Year 26.4% 10 Year 15 Year Since launch 13.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 37.5% 2023 31.6% 2022 -0.4% 2021 29.7% 2020 13.3% 2019 10.7% 2018 -0.2% 2017 39.6% 2016 3.3% 2015 3.8% Fund Manager information for Invesco India Growth Opportunities Fund
Name Since Tenure Aditya Khemani 9 Nov 23 1.56 Yr. Amit Ganatra 21 Jan 22 3.36 Yr. Data below for Invesco India Growth Opportunities Fund as on 31 May 25
Equity Sector Allocation
Sector Value Financial Services 27.55% Consumer Cyclical 22.11% Health Care 15.77% Industrials 12.73% Real Estate 7.5% Technology 6.55% Basic Materials 4.49% Communication Services 1.98% Asset Allocation
Asset Class Value Cash 1.32% Equity 98.68% Top Securities Holdings / Portfolio
Name Holding Value Quantity Trent Ltd (Consumer Cyclical)
Equity, Since 28 Feb 22 | 5002515% ₹354 Cr 683,586
↑ 140,897 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Mar 24 | INDIGO5% ₹321 Cr 612,171 Cholamandalam Investment and Finance Co Ltd (Financial Services)
Equity, Since 28 Feb 23 | CHOLAFIN4% ₹287 Cr 1,921,954 BSE Ltd (Financial Services)
Equity, Since 31 Oct 23 | BSE4% ₹286 Cr 449,447 Prestige Estates Projects Ltd (Real Estate)
Equity, Since 31 Dec 23 | PRESTIGE4% ₹263 Cr 1,914,877
↑ 339,521 Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 30 Nov 22 | MAXHEALTH3% ₹236 Cr 2,146,168 L&T Finance Ltd (Financial Services)
Equity, Since 30 Apr 24 | LTF3% ₹220 Cr 13,404,597 Dixon Technologies (India) Ltd (Technology)
Equity, Since 30 Sep 22 | DIXON3% ₹214 Cr 130,340 Eternal Ltd (Consumer Cyclical)
Equity, Since 30 Jun 23 | 5433203% ₹213 Cr 9,152,597 Swiggy Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | SWIGGY3% ₹211 Cr 6,673,912 4. Franklin India Feeder - Franklin U S Opportunities Fund
CAGR/Annualized
return of 16.3% since its launch. Ranked 6 in Global
category. Return for 2024 was 27.1% , 2023 was 37.9% and 2022 was -30.3% . Franklin India Feeder - Franklin U S Opportunities Fund
Growth Launch Date 6 Feb 12 NAV (26 Jun 25) ₹75.0552 ↑ 0.39 (0.52 %) Net Assets (Cr) ₹3,834 on 31 May 25 Category Equity - Global AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆☆ Risk High Expense Ratio 1.52 Sharpe Ratio 0.38 Information Ratio -1.32 Alpha Ratio -6.33 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-3 Years (1%),3 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹12,742 31 May 22 ₹10,865 31 May 23 ₹11,996 31 May 24 ₹15,822 31 May 25 ₹17,850 Returns for Franklin India Feeder - Franklin U S Opportunities Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 26 Jun 25 Duration Returns 1 Month 7% 3 Month 10.9% 6 Month 0.9% 1 Year 10.9% 3 Year 20.2% 5 Year 12.6% 10 Year 15 Year Since launch 16.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 27.1% 2023 37.9% 2022 -30.3% 2021 17.9% 2020 45.2% 2019 34.2% 2018 6.5% 2017 18.1% 2016 -0.8% 2015 8.8% Fund Manager information for Franklin India Feeder - Franklin U S Opportunities Fund
Name Since Tenure Sandeep Manam 18 Oct 21 3.62 Yr. Data below for Franklin India Feeder - Franklin U S Opportunities Fund as on 31 May 25
Equity Sector Allocation
Sector Value Technology 35.89% Communication Services 15.3% Health Care 11.31% Consumer Cyclical 10.68% Industrials 8.87% Financial Services 7.65% Basic Materials 2.39% Consumer Defensive 1.78% Real Estate 0.62% Asset Allocation
Asset Class Value Cash 1.69% Equity 97.22% Other 0.37% Top Securities Holdings / Portfolio
Name Holding Value Quantity Franklin US Opportunities I(acc)USD
Investment Fund | -99% ₹3,480 Cr 4,641,619
↑ 36,779 Call, Cash & Other Assets
CBLO | -1% ₹31 Cr 5. Kotak Global Emerging Market Fund
CAGR/Annualized
return of 5.4% since its launch. Ranked 17 in Global
category. Return for 2024 was 5.9% , 2023 was 10.8% and 2022 was -15% . Kotak Global Emerging Market Fund
Growth Launch Date 26 Sep 07 NAV (26 Jun 25) ₹25.529 ↑ 0.18 (0.70 %) Net Assets (Cr) ₹93 on 31 May 25 Category Equity - Global AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk High Expense Ratio 1.66 Sharpe Ratio 0.33 Information Ratio -0.62 Alpha Ratio -4.18 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹14,990 31 May 22 ₹12,781 31 May 23 ₹12,029 31 May 24 ₹13,828 31 May 25 ₹15,190 Returns for Kotak Global Emerging Market Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 26 Jun 25 Duration Returns 1 Month 6.7% 3 Month 9.7% 6 Month 14.5% 1 Year 13.8% 3 Year 9.9% 5 Year 8.2% 10 Year 15 Year Since launch 5.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 5.9% 2023 10.8% 2022 -15% 2021 -0.5% 2020 29.1% 2019 21.4% 2018 -14.4% 2017 30.4% 2016 -1.2% 2015 -4.6% Fund Manager information for Kotak Global Emerging Market Fund
Name Since Tenure Arjun Khanna 9 May 19 6.07 Yr. Data below for Kotak Global Emerging Market Fund as on 31 May 25
Equity Sector Allocation
Sector Value Financial Services 25.93% Technology 20.71% Consumer Cyclical 20.12% Basic Materials 8.79% Communication Services 8.26% Energy 5.21% Industrials 2.32% Consumer Defensive 2.22% Health Care 1.29% Utility 0.55% Real Estate 0.02% Asset Allocation
Asset Class Value Cash 4.57% Equity 95.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity CI Emerging Markets Class A
Investment Fund | -98% ₹87 Cr 428,279
↓ -247 Triparty Repo
CBLO/Reverse Repo | -3% ₹2 Cr Net Current Assets/(Liabilities)
Net Current Assets | -1% -₹1 Cr
Before investing in Mutual Funds individuals need to take care a lot of parameters. It includes:
When it comes to lump sum investing, individuals need to always look for Market timings especially with respect to equity-based funds. A good timing to invest lump sum is when the markets are low and there’s a scope that they will start appreciating soon. However, in case if the markets are already at peak then, it is better to stay off from lump sum investment.
Diversification is also an important aspect that needs to be considered before investing lump sum. Individuals in case of lump sum investment should diversify their investments by spreading into multiple avenues. This will help to ensure that their overall portfolio performs well even if one of the schemes doesn’t perform.
Any investment that individuals do is to attain a particular objective. Therefore, individuals should check whether the scheme’s approach is in-line with the investor’s objective. Here, individuals should look for various parameters such as CAGR returns, Absolute returns, the impact of taxation and much more before investing in the scheme.
Individuals should do their Redemption at the correct time in lump sum investment. Though it can be as per the investment objective yet; individuals should do a timely review of the scheme in which they are planning to invest. However, they also need to hold their investments for a longer duration so that they can enjoy maximum benefits.
Mutual Fund lump sum return calculator helps individuals to show how the lump sum investment of an individual grows over a given timeframe. Some of the data that needs to input in the lump sum calculator includes the tenure of the investment, initial investment amount, long-term expected growth rate and much more. An illustration of the Mutual Fund lump sum return calculator is as follows.
Lump Sum Investment: INR 25,000
Investment Tenure: 15 Years
Long-term Growth Rate (Approx.): 15%
Expected Returns as per Lump Sum Calculator: INR 2,03,427
Net Profit on the Investment: INR 1,78,427
Thus, the above calculation shows that the net profit on the investment on your investment is INR 1,78,427 while the total value of your investment is INR 2,03,427.
Similar to SIP, Lump Sum Investment also has its own set of advantages and disadvantages. So, let us look at these advantages and disadvantages.
The advantages of Lump Sum investment are as follows.
The disadvantages of Lump Sum investment are:
Thus, from the above pointers, it can be said that lump sum mode is also a good way to invest in Mutual Funds. However, individuals need to be confident while investing a lump sum amount in the scheme. If not, they can choose SIP mode of investment. In addition, people should understand the scheme’s modalities before investing. If required, they can even consult a financial advisor. This will help them to ensure that their money is safe and their objectives are accomplished on time.