SIP vs. Lumpsum in Mutual funds | SIP vs. Lumpsum which is better? | Mutual funds

Summary

This video explores the effectiveness of Systematic Investment Plans (SIPs) versus lump sum investments, highlighting the power of compounding and the importance of timing. The speaker uses real-life examples to demonstrate how SIPs can outperform lump sum investments over time, emphasizing the benefits of disciplined investing, cost averaging, and flexibility. The video also addresses the emotional aspects of investing and suggests strategies for maximizing returns, including increasing SIP amounts annually and leveraging additional income sources for investment.

Takeaways

• 😀 SIP (Systematic Investment Plan) and lump sum investments can both be effective, depending on the investor's financial situation and goals.
• 💼 SIP is advantageous for salaried individuals with a regular income and those who may not have a large sum available for a one-time investment.
• 📈 The power of compounding is highlighted as a key factor in the growth of investments, especially when SIP is continued over a long period, such as 10 to 20 years.
• 🕊️ SIP provides a disciplined approach to investing, automatically deducting the set amount at regular intervals, fostering a habit of consistent investment.
• 🔢 The script emphasizes the importance of increasing the SIP amount periodically by 10-15% to keep up with inflation and enhance the investment's growth potential.
• 📉 The benefit of rupee cost averaging in SIP is underscored, which helps mitigate risk by investing a fixed amount at different market levels.
• 💰 For those with a lump sum, the script suggests waiting for market corrections as an opportune time to invest, spreading the investment to manage risk.
• 📊 The video mentions the significance of market timing for lump sum investments, advising against investing when the market is at an all-time high.
• 🤔 The need for emotional control in investing is discussed, with SIP being less prone to emotional decision-making compared to lump sum investments during market volatility.
• 🔄 Flexibility in SIP is highlighted, allowing investors to pause, redeem, or modify their investment plan as per their needs or market conditions.
• 🌐 The importance of having a secondary income source is suggested for topping up SIP investments and taking advantage of market dips with additional funds.

Q & A

What is the main topic discussed in the video script?

The main topic discussed in the video script is the comparison between Systematic Investment Plan (SIP) and Lump Sum investment, including their advantages, disadvantages, and the best scenarios for each type of investment.

What is the significance of the 14% return rate mentioned in the script?

The 14% return rate is used as an example to illustrate the potential growth of investments over a 10-year period for both SIP and Lump Sum investment strategies.

How does the script differentiate between SIP and Lump Sum investments?

The script differentiates between SIP and Lump Sum investments by discussing their investment frequency, amount, risk, market timing, discipline, flexibility, and emotional control aspects.

What is the 'magic' mentioned in the script regarding the best time to do Lump Sum investment?

The 'magic' refers to the strategy of timing Lump Sum investments wisely, such as investing when the market is at a correction or is undervalued, to potentially achieve higher returns.

Why does the script emphasize the importance of time in investment?

The script emphasizes the importance of time in investment because it highlights the power of compounding, which can significantly increase the investment corpus over a longer period, especially with SIP.

What is the strategy suggested for a disciplined investment approach using SIP?

The strategy suggested for a disciplined investment approach using SIP is to start with a small amount and consistently increase the investment amount by a certain percentage (e.g., 10-15%) every year.

How does the script address the flexibility of SIP compared to Lump Sum investments?

The script addresses the flexibility of SIP by mentioning that investors can easily pause, stop, or redeem their SIP investments, whereas Lump Sum investments are less flexible once the money is invested.

What is the emotional aspect of investing discussed in the script?

The emotional aspect of investing discussed in the script is the tendency of investors to make hasty decisions based on market fluctuations, which can be better managed with SIP due to the systematic approach and professional fund management.

How does the script suggest using additional income for investment purposes?

The script suggests using additional income from sources like freelancing or other extra work to increase the SIP amount or to make Lump Sum investments during market declines.

What is the final advice given in the script regarding investment strategy?

The final advice given in the script is that both SIP and Lump Sum investments can be effective, depending on the investor's financial situation, risk tolerance, and investment goals. It encourages investors to invest boldly, consider the market conditions, and continuously top up their investments.

Outlines

00:00

💡 The Power of SIP vs. Lump Sum Investments

This paragraph introduces the video's theme comparing Systematic Investment Plans (SIPs) and lump sum investments. It presents a scenario where three individuals receive the same amount of money but invest differently. Mahesh opts for a SIP with a monthly investment of ₹10,000 for 10 years expecting a 14% return, while Suresh invests ₹12 lakhs in a lump sum also expecting a 14% return. The speaker claims to have created a larger corpus than Suresh without SIP, inviting viewers to watch the video to understand how this was achieved and to learn whether SIP or lump sum is the better investment strategy.

05:04

📈 Understanding Risk and Market Timing in Investments

The second paragraph delves into the risks associated with SIPs and lump sum investments, highlighting the benefits of rupee cost averaging with SIPs. It discusses the unpredictability of market timing and the importance of investing at the right time for lump sum investments. The speaker emphasizes the discipline that SIPs instill in investors, allowing them to invest regularly without worrying about market fluctuations, and contrasts this with the need for market expertise and timing in lump sum investments.

10:06

🔄 Flexibility and Emotional Control in SIP and Lump Sum Investments

This paragraph discusses the flexibility of SIPs, allowing investors to pause, redeem, or modify their investments as needed. It contrasts this with the less flexible nature of lump sum investments, where changes are more limited. The speaker also touches on the emotional control required in investing, suggesting that SIPs provide a buffer against market-induced stress, as the fund manager handles the investments, whereas lump sum investors may be more prone to making emotional decisions during market downturns.

15:08

🚀 Long-Term Growth and the Impact of SIP Increments

The speaker shares personal experience with SIP investments, explaining how increasing the SIP amount annually can lead to substantial wealth creation over time. They emphasize the importance of compounding and suggest that even without a large initial investment, consistent SIP contributions can yield significant returns. The paragraph also advises on the best time to make lump sum investments, suggesting market dips as opportune moments.

20:12

🤔 Choosing Between SIP and Lump Sum Based on Personal Circumstances

In this paragraph, the speaker provides guidance on choosing between SIP and lump sum investments, suggesting that the decision should be based on individual financial goals and risk tolerance. They recommend SIP for those without large sums to invest at once and highlight the benefits of topping up SIPs to combat inflation. The speaker also discusses the potential for higher returns with lump sum investments when timed correctly with market conditions.

🌟 Conclusion: Embracing Both SIP and Lump Sum for Wealth Creation

The final paragraph concludes by reiterating that both SIP and lump sum investments have their merits and can be used strategically to build wealth. The speaker encourages viewers to invest boldly, consider their market outlook, risk tolerance, and fund choices, and to create additional income streams to supplement their investments. They remind viewers to like and subscribe to the channel for more informative content.

Keywords

💡SIP (Systematic Investment Plan)

SIP is a method of investing in mutual funds by contributing a fixed amount at regular intervals. It is a disciplined approach that helps in averaging out the purchase cost over time. In the video, SIP is compared with lump sum investment, and it is highlighted how SIP can create a significant corpus over 10 years with an expected return of 14%.

💡Lump Sum Investment

Lump sum investment refers to putting a large amount of money into an investment all at once, as opposed to investing in increments over time. The video contrasts this approach with SIP, showing that while lump sum can yield higher returns if the market timing is right, it also carries higher risk.

💡Returns

Returns in the context of the video refer to the profit or interest generated from an investment. The script discusses expected returns of 14% on SIP and lump sum investments, emphasizing the importance of returns in evaluating investment strategies.

💡Future Value

Future value is the amount that an investment will grow to at a specified time in the future, considering the rate of return. The video uses the concept of future value to illustrate the potential outcomes of SIP and lump sum investments over a 10-year period.

💡Rupee Cost Averaging

Rupee cost averaging is a benefit of SIP where the investor buys more units when prices are low and fewer units when prices are high, thereby reducing the average cost per unit. The video explains that this strategy helps in mitigating risk in volatile markets.

💡Market Timing

Market timing involves making investment decisions based on predictions of market movements. The script warns about the difficulty of accurately timing the market and suggests that SIP does not require market timing, unlike lump sum investments.

💡Investment Discipline

Investment discipline refers to the regular and consistent approach to investing, which is a key feature of SIPs. The video emphasizes that SIP instills discipline by ensuring that investments are made regardless of market conditions.

💡Compounding

Compounding is the process by which a sum of money grows exponentially over time due to interest being added to the principal. The video mentions Albert Einstein's quote about the power of compounding, highlighting its significance in long-term SIP investments.

💡Risk

Risk in the context of the video pertains to the potential for loss or variability in investment returns. It is discussed in relation to both SIP and lump sum investments, with the latter being associated with higher risk due to market unpredictability.

💡Flexibility

Flexibility in the video refers to the ability to modify, pause, or stop an investment plan. SIPs offer more flexibility as compared to lump sum investments, allowing investors to adjust their contributions according to their financial situation.

💡Emotional Control

Emotional control is the ability to make rational investment decisions without being swayed by emotions, especially during market fluctuations. The script suggests that SIP helps in controlling emotional decisions by reducing the impact of market volatility on the investor's psyche.

Highlights

Mahesh, Suresh, and the speaker started with an investment of 122 lakhs 10 years ago, showcasing different investment strategies.

Mahesh chose a SIP of 10,000 for 10 years with expected returns of 14%, resulting in a future value of 9689 lakhs.

Suresh made a lump sum investment of 12 lakhs 10 years ago, also with 14% returns, leading to a future value of 44,486,66.

The speaker's unique strategy without SIP resulted in a higher corpus than Suresh, despite not investing a lump sum.

The video promises to explain whether SIP or lump sum is the right investment approach through an example.

Investment strategies are discussed, including the benefits of SIP for retail investors with limited funds.

The importance of timing in investment, especially for lump sum investments, is emphasized.

SIP offers rupee cost averaging, reducing risk compared to lump sum investments.

Investment flexibility is highlighted as a key advantage of SIP over lump sum investments.

The video covers the discipline of investing through SIP and its impact on emotional control.

The power of compounding is discussed as a significant factor in long-term SIP investments.

The speaker shares a personal strategy of increasing SIP amounts yearly to outperform lump sum investments.

The video suggests that topping up SIP by 10-15% annually is crucial to beat inflation.

The best time to make lump sum investments is when the market is cheap, avoiding peak valuations.

A secret strategy is introduced for combining SIP with topping up and additional lump sum investments for higher returns.

The video concludes that both SIP and lump sum investments have their merits and should be chosen based on individual circumstances.

The importance of creating an additional income source to supplement SIP investments is highlighted.

Transcripts

Friends, this is Mahesh and this is Suresh and this is me. 10 years ago these three

got 122 lakhs, so Mahesh started SIP of 10000 for 10 years and the expected

returns in it are 14 but here we calculate. Total amount invested here is ₹

Lakhs. How much did he invest in 10 years? Its future value is coming out to be

₹

9689. Whereas Suresh did not do SIP here and invested Rs. 12 lakhs here

in one go 10 years ago. It is a matter of fact that it also got returns of 14 per cent, so here its

future value coming out after 10 years is

4448 666. Here you can see that 8 57000

977 means 185 7977 here less than Rs 8 lakh is not less

. You can see that one did SIP of Rs 12 lakh and the other did SIP of Rs. 12 lakhs

but I did not do SIP of Rs. 10000 but still you can see that I

have created more corpus here than Saresh. You can also see my same scenario SIP of Rs 10000. The same expected returns were

only 14 and invested for 10 years but I

Mahesh Suresh divided both of them and here you can see mine, the future

value coming out is 4491

631. How did this happen, for that you can watch this video. If you have to watch it completely then in this video

I am going to explain to you with an example whether SIP is correct or Lam Sum is correct. Watch this

video completely, after that you will not need to watch

any other video related to this topic. You might be saying that friend,

₹ 12 lakh is not such a huge amount of money to make a lump sum. Even a retail investor did not have it 10 years

ago. I also did SIP and can see here that it is

more than the sum sum. If you make returns then you will watch the full video, you will learn a lot

from this video about how you should invest.

If you are visiting the channel for the first time then do not forget to subscribe the channel. Many people

forget to subscribe the channel, so one Let us quickly see what I

am going to cover in this video, so first I am going to talk about SIP vs Lam Sum.

When is the best time to do SIP, I will cover that in this video. If

you are doing SIP or doing Lam Sum, I

am also going to tell you the magic and what is the best time to do Lam Sum, I am also

going to cover that in this video, timing is very important, brother. Timing: Money will be less. If

you can give time then you can make money. If you can give time, you can make more money. If you can't give time,

you cannot make money. How long to do SIP? Which is better SIP

and Lesser Investment? I will tell you the secret in the last part of the video. After that Strategy

: You can see that you are going to get all this information in one video, you

will get to learn a lot, so quickly let us see SIP vs Lum Sum,

after that we will discuss all these topics, so first we will We will see

the investment frequency, so if you do SIP in any scheme, then you

can start SIP at regular intervals, on monthly, quarterly or yearly basis.

Whereas if we talk about Lasam, then one time investment is required in Lasam,

so as I have said. Told you that many retail investors do not have money at once.

Salary comes per person and gets exhausted by the end of the month, so

making one time investment becomes a bit difficult. If you are going to do lump sum then lump

sum. Brother, big money is required for this but it is not so in SIP. Secondly, let us

see the investment amount, what is there in SIP, you can do SIP from Rs. 500, 1000, 2000, 1500

but for the sake of success, you

should have a larger amount in one go. Now It is not like that by investing ₹ 5000000, you will start doing SIP. To do this, you

need a little more money. 20000 40000 50000 lakhs 10 lakhs. Right, but

it is not so in SIP. By investing a little money, you can start your SIP. There are many

indexes. There are funds in which you can start SIP even by investing ₹ 1. Thirdly, it

is very important to look at the risk, but we retail investors do not look at the risk, we only

look at the returns, this fund has given 100% returns in the last one year.

Have given but do not see the risk, brother, like the risk, like the reward, so if you

invest in any scheme through SIP, then you

get the benefit of rupee cost in it because suppose the market is trading here, then your NAV when

the market is down. If this happens, then here the average is out, when there is a market pick,

you will also get it, here you get the benefit of rupee cost, then if you

invest in SIP for long term, then your risk in it gets moderated. Is

On the other hand, if we talk about Lasam, then your risk in this remains high because the market

is God, no one can predict the market whether the market is trading here now

and will go here or here or will go here in the coming days.

If someone is saying that the market will double from here

in two months, then he is deceiving you, then there is risk in the market, so

to invest, a little expertise and timing matter a lot

. Let us move ahead to investing, now let us talk about market timing,

so to do SIP you do not need to see any time, like suppose

Nifty is trading here right now, Nifty is trading above 24000, then if

any If the investor has to do SIP 1000 2000 3000 then he does not need to time the market,

he can start SIP anytime like suppose if someone started SIP

here when Covid had declined then suppose someone started SIP here

right And then here there is a decline, if there is a decline, then what happened here,

he is getting the NAV cheaply also, then the market went up, then his here because

SIP is detected from your account on monthly basis, so here the market

Whatever ups and downs there are, if your NAV averages out then there is

no problem in SIP. You can start investing anytime. There

is no need to time the market, but in SIP, timing absolutely matters if you are

at the peak. Will invest and the valuation of the market is also high. Right now Nifty's P

is 22.9. Right now Nifty

is trading at a multiple of 22.9. So I told you how to do Lum Sum, so

the market is at its all time high and Suppose if you had invested here,

you would have got negative returns. If you had

invested here, you would have got negative returns. Timing matters to do lump sum,

that is why many people. What do they do when the market

corrects from the upper level to 5 to 10, then they do Lum Sum

according to their risk, then when the market becomes cheap then you should think about doing Lum Sum

according to their risk and Whenever you are going to make a sum, say, you

have to make 500 sums, then divide it into three pieces instead of all at once. When the market

corrects 5 to 10 from the above level, then here you should think about investing by doing 20-2 Hajj.

And many people invest like this. Let's move ahead. Now let us see what is Discipline

Investing . Yes, a beginner should definitely think about investing

through SIP because SIP gives discipline to an investor.

That brother, salary comes in my account and if the amount is deducted on this day,

even if it rains, the amount of SIP that you have selected

will be deducted from your account, but there is no discipline in the lesson

like suppose you have. If you invest Rs 0000 in a scheme and due to some reason the market

falls then your blood pressure will increase. If the market falls

but your blood pressure increases then many investors start panicking and

what is the discipline? Hey Baba. Get out quickly otherwise my money will be lost but

it is not so in SIP. If you are investing in SIP even if the market is falling

then you do not have any tension, there is a fund manager sitting there, he operates according to his risk,

so SIP helps us. It gives discipline but there is no discipline in SIP,

whereas if we talk about cost averaging, then yes, the

benefit of cost averaging is available in SIP, but in SIP, the benefit of cost averaging is not available, but

as I told you, when the market is heavy. When the sell off comes, many

smart investors take advantage of the fall and when the market recovers from the bottom,

they also get good returns. Next is flexible. Yes, in SIP you

get a lot of flexibility as to when you need to close the SIP. You have to stop, you

have to pause, you have to redeem, you are the master of your mind, but if we talk about the bottom line,

it is less flexible, like suppose you have invested ₹ lakh in a fund, then

you can modify it a little, but if You have invested in a mutual fund scheme

and you are thinking that no, this scheme is not right, let's

switch to another one, then you can switch. You are thinking that no, you don't have money right now,

so pause here. You can also stop, you are feeling that I

have invested in regular mode by mistake, let me do it in direct mode.

You can also do it directly. If you are investing through SIP then

you get more flexibility but it is not so in LASM whereas if we

talk about returns then if you are investing through SIP then there is cost

averaging and And in market wallet, the effort of the fund manager is to

give returns to an investor by any means, whereas if we talk about Lasam,

then in this you get higher returns but at the same time the risk is also higher as

I told you. Not only that, when there is a heavy fall in the market, many

investors invest here and when the market recovers from the bottom, they

also get good returns, like when there was a fall in Covid, many

people invested here. And in three-four months, when the market

made a good run from the bottom, they got good returns here, so in the long term,

they get more returns, but in the long term, money is also invested and the risk

is also high and the market It is very important to do time and

you should also know some basics of the market but in SIP you do not need to judge the market,

your risk becomes moderate in this and the returns you

get in this are a little less than the sum, so as is the risk. Reward, you all know that the next one is emotional

control. Yes, if you are investing in SIP then there is a fund manager here. If

there is a fall in the market or anything else happens, he buys and sells securities as per his own.

There, an investor is there. There is no need to take tension here, like

if you are doing SIP in any scheme, then you are doing SIP boldly,

focus on the primary work you are doing, your investment, there

is a fund manager with his skills. If you invest according to this, then what happens here is that

many retail investors start panicking when the market falls, so

suppose many investors have sum their money right and sum their money and the market

falls, then their You lose money and then whatever profit is there in loss, if it is

little or negative, you immediately exit the market. But in SIP,

there is a little control on emotional decisions, but what is special in SIP is that your

big money is invested in it. 1 Lakh, 2 Lakh, 5 Lakh, 10 Lakh, people become a little emotional

and then think that the market is falling, withdraw the money quickly, otherwise there

will be problem, but it is not in SIP, there is no problem, what if it falls

? Friend, 2000 per month is being spent, let it be spent, this happens in SIP but

if there is huge amount of money invested in the sum, then for some reason the market falls, then

the blood pressure increases here and here the one who takes an emotional decision and exits the position

. Let's take it there, if we see for whom SIP and Lam Sum are better, then

if you are a salaried person and you get monthly salary and you do not have time, then

you should definitely think about investing through SIP. If you

have got big money, got bonus from somewhere or are freelancing, then

you can think of investing all that money in Lasam. It is simple. If we

talk about investment horizon, then look at SIP for long term. SIP is better.

If you do it for 1 year, 3 years, 5 years, you will not understand. For 10 years,

your money will be like this. If you do it for 15 years, your money will be like this. If you continue this SIP for 20 years,

your corpus will reach here. So Expo Ashley,

here your money grows, Einstein uncle

called the power of compounding the eighth wonder, if you want to do Lam Summ, then many people like I told you that when the market

falls, they do Lam Summ for one and a half year. Even for six months, this sum

totally depends on investor to investor, so SIP vs. sum, we

have covered the best time to start SIP. I have already told you that to do SIP,

you do not need to judge the market, whatever. 1000 2000 5000 10000

If you want to do SIP, you can start SIP boldly, you

do not need to consult Pandit ji to start SIP, SIP vs Lasam Magic,

what is this, let's see it once, see it as I told you. It was said that Mahesh

had started SIP of Rs. 0000 for 10 years and

I had calculated the returns at Rs. 14. So he invested Rs. 1 lakh and its future value

is coming out to be Rs. 25 lakhs, 25 lakhs, understand it, Suresh. Had invested Rs 12 lakhs

10 years ago and it also got returns of 14% so we can see that its

future value is coming out to be Rs 44 lakhs something right so here Rs 1 lakh more.

If you are getting this then there will be doubt in the mind of many people that leave the SIP and

do the sum, but 10 years ago, you had 12 lakhs, do

n't many retail yesteryears have money in one go, so Suresh here. Had ₹ 1 lakh, so

10 years ago he had invested it, but if you do not have money in One Go, then

you do not need to take tension, you can see here, I also

started SIP at ₹ 1000000 10 years ago. And yet I

have created more corpus here than Mahesh and Suresh and have not even invested any money in One Go and One Go.

By doing SIP, I have created a corpus of Rs 4491 631.

The same expected returns are at 14 and I also invested for 10 years.

To know how it happened, I request you all to like the video first.

If you are investing in any scheme then first see the goal and

if the scheme is better then see the scheme. If you want to invest in it for a long time,

then you have selected the scheme and the SIP amount. For example, if you

want to do 10000 SIP, then do it at 15 per year. I say that if you cannot

do 15, then do it at 10. Atlist, but in this case, I

have increased my SIP amount every year for 15 years, that is why you can see here that my corpus has

become more than 44 lakhs, so you also remember that whenever you are doing SIP,

SIP Do it every year and keep topping it up at 10, 15 rupees and hold on. Many

people will say, Baba, don't top up. If you don't top up, the inflation

will eat away your money. These are the returns you

are getting now. If you are not minus then

to beat inflation it

is very important to do this top up every year at 10 or 15. If you are doing SIP then keep doing SIP every year

at 10 or 15. If you cannot invest in One Go then you

can also make big money by investing through SIP. So see how smartly

I have created huge wealth through SIP by not paying lump sum. If you have done then

I have tried to teach you here with this example. I hope you have now understood it clearly.

Now let us talk about the best time to do the long sum.

Like I tell you that the market is first. Health Look at where the market

is trading right now Look at the valuation If the market is cheap then only you

should think of taking lump sum When the market is at its all time high then should you take lump sum

What should not be done Wait when the market is up If the level is correct then you

should think about doing Lam Samam. I

have made a dedicated video on how to do Lam Samam, watch it on this channel you will get to learn a lot, timing

is very important, Baba timing is very important, see this Mahesh did 0000 Had done SIP

for 10 years in which its corpus was coming up to 25 lakhs, we

had calculated the returns on something, now this 10000 SIP was extended for 10 more years, did SIP for 20 years,

returns on 14 rupees can be seen here. Where did 30 lakhs become

25 and where did one crore 30 become only by doing SIP for 10 years and continuing?

Whereas if we talk about Suresh, then Suresh who is a person had made a sum of 12 lakhs

at 14 returns for 10 years. Had calculated and he also

left this 122 lakh as it is for 10 years and for 20 years here he

did not increase his amount but what did he do if he did SIP for 10 years but if he

continued SIP for 10 more years then here The amount of SIP is increasing here but

he did not increase his money in Lsam, this 12 lakhs after 20 years

became Rs 1 crore 64 lakh 1 crore 64 9218. See magic, timing matters. Like I told you, SIP

works like this. But after 10 years, the one who holds it for 12, 15, 20 years becomes a king,

but in India it has been seen that even if people do SIP, they hardly

withdraw the money in one and a half or two years, so this way

Friend, my belief is that invest less money, invest less money

2000 3000 5000 but give time, it is simple, so I have shown you that timing does matter if you want to create wealth through the power of compounding

. If you have then you will have to give time.

Let's move ahead. How long to invest in SIP? So my opinion

is that you should think about investing till last sen year plus, if

you hold more then you will definitely become Kuber. Next Which is better? SIP and

One Time Investment, so I told you both the scenarios, both are better.

You can select SIP as well as Lum Sum as per your goal and risk.

If you do not have big money then invest through SIP, it

will be right for you. Do SIP and if money comes from somewhere then do Lum Sum in between. Give it and

keep topping it up by 5 to 10 rupees every year. Many people will boldly say that

if you do Lam Sum, then Lam Sum is better, but to do Lam Sum, you

will have to time the market, you will also have to look at the risk and Salary comes at once, salary ends,

money is not left, where will we take it from, let us talk about the secret strategy,

so see, suppose you are doing a SIP of Rs 10000, then the secret strategy

is that first you invest Rs 10000. But you have to keep topping up at 15, you

have to keep topping up and the money has to come from somewhere and how will the money come from somewhere else it will come by stealing otherwise

you can do freelancing work and see if you are still dependent on single income.

If you are doing primary work then it is wrong, keep doing

it but create a different extra source and from the extra source you make money of Rs 2000, 5000, 100000,

then you are great, then the money you are making from the extra source is Rs 2000.

3000 5000 Put that also in SIP Put that also in SIP If you

do not have money in One Go, then whatever money you have is coming from this extra source. When

the market declines, when the market declines, then pay this 52 Haj here.

Keep summing in between and then you will see your corpus in the long run. If you had done SIP

then it would have remained like this but in between you top up and the income you are earning from extra sources

is also summed here. So your wealth will increase like this, but

if you do not top up there and do not invest the money from extra source, then your

wealth remains here. It is your job to take the decision, so invest boldly, whether

you do SIP or LSM, look at the market first. Look at your risk,

look at the fund, if you don't have a fund then work for the fund. I hope you have now understood

whether SIP is better or Lum Sum, both are better, it depends on the investor.

I hope you liked this video. If you liked the video then

don't forget to like the video. If you are visiting the channel for the first time then don't forget to subscribe the channel.

See you in another video. Thank you.