A lumpsum is most effective when markets are reasonably valued or after a correction. If you're sitting on cash and uncertain, consider an STP (Systematic Transfer Plan) over 6-12 months.
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Year-by-Year Breakdown
InvestedInvestment value
Year
Invested
Returns
Value
1
₹1,00,000
₹12,000
₹1,12,000
2
₹1,00,000
₹25,440
₹1,25,440
3
₹1,00,000
₹40,493
₹1,40,493
4
₹1,00,000
₹57,352
₹1,57,352
5
₹1,00,000
₹76,234
₹1,76,234
6
₹1,00,000
₹97,382
₹1,97,382
7
₹1,00,000
₹1,21,068
₹2,21,068
8
₹1,00,000
₹1,47,596
₹2,47,596
9
₹1,00,000
₹1,77,308
₹2,77,308
10
₹1,00,000
₹2,10,585
₹3,10,585
End
₹1,00,000
₹2,10,585
₹3,10,585
Formula & SourceLumpsum Calculator
FV = P × (1 + R/100)^Y
Source: Compound interest formula (annual compounding)
Frequently Asked Questions
When you have a large sum (bonus, inheritance) and markets are reasonably valued. Otherwise, consider STP.
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