By Leo Park
SIP is useful when you prefer dollar-cost averaging and systematic habit-building; a lump-sum can outperform when markets rise significantly after investment. The LTFox SIP Calculator lets you model both approaches by adjusting inputs and horizon.
Try modelling an immediate lump-sum (set monthly SIP to zero and add a starting amount) versus a monthly SIP schedule to compare final values under the same annualised return assumption.
Use the tool to run conservative, base and optimistic scenarios so you can make an informed decision aligned to your timeframe and liquidity needs.
SIP smooths market volatility while lump sum benefits from immediate market exposure — choose based on your risk tolerance and market view.
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