Rs 20,000 SIP Or Rs 20 Lakh Lump Sum: Which Grows More In Two Decades

Long-term investing often presents the question of whether to invest through a systematic investment plan (SIP) or make a large lump-sum contribution at once. Both strategies have the potential to generate significant wealth over extended periods, but the choice depends on financial discipline, market conditions, and risk tolerance. Understanding the mechanics, advantages, and limitations of each approach can help investors make informed decisions and maximise returns while managing exposure to market fluctuations.