Inputs
Enter principal, expected annual return & years.
Compounding
Value grows geometrically: P×(1+r)^n.
Return Assumption
Model a conservative % (e.g. 8–12% equities).
Tips
- Invest early
- Diversify
- Rebalance
Maturity Value
₹0
Projected value (tax & fees ignored).
Principal
₹0
Total Gain
₹0
i Lumpsum Investing Guide
Educational only – ignores volatility, sequencing risk, taxation & fees.
Formula
Future Value ≈ P × (1 + r)n. Gain = FV − P.
When Use Lumpsum?
Ideal for bonus / inheritance capital you can deploy long‑term; complements SIPs.
Risks & Caveats
- Market timing risk if invested just before drawdown.
- Inflation erodes real return.
- Behavioural panic may cause premature exit.
Improvement Tips
- Stagger entry if volatility high (phased deployment).
- Review return assumption every few years.
- Blend with SIP for steady rupee‑cost averaging.