Equity mutual funds: SIP or lumpsum, which option is the best for you?

As a retail investor, you have two ways in which you can invest in equity mutual funds. The first is a one-time lumpsum investment and the second is the Systematic Investment Plan (SIP) route through which you make small but regular contributions to the fund spread over a period. To understand the difference between both these investment modes and which one is better suited for you, read on.

  • Investment frequency

Both the lump sum route and SIP mutual fund endow you with the benefit of wealth appreciation. However, the basic difference between both modes is the frequency. An SIP allows you to invest in different types of mutual funds periodically like quarterly, half-yearly, monthly, etc. In contrast, lumpsum permits you to make bulk investments one time in a particular mutual fund scheme.

  • Minimum investment amount

The next point of distinction between both routes is the provision for a minimum investment amount. You can invest in SIP with a monthly investment of only Rs 500. However, in the case of lumpsum investment, you must invest at least Rs 5,000 initially in a mutual fund and may top up the same scheme with a minimum investment of Rs 1,000.

Thus, if you have small but regular investible funds, then an SIP is the go-to option for you. However, in case you have a high investible amount, then the lumpsum route may be a more advantageous option for you.

  • Market monitoring

As lump sum investments require a bulk commitment, you must know when to enter the market. This route can prove to be beneficial if you invest during the bearish markets when prices are low. However, in the scenario of SIP mutual funds, as the investments take place periodically, you get the opportunity to witness different market cycles, which eliminates the need for keeping a close watch on the market.

  • Averaging of cost

When you invest in SIP mutual funds, you buy mutual fund units during different market cycles so the cost per unit is averaged over the investment horizon. A higher number of units are purchased during bearish markets, which compensates for the purchases during bullish markets. Such purchases help to tide over market fluctuations as well as balance out the buying cost. Bought units may be redeemed when markets perform well. In the case of the lump sum route, you cannot get the benefit of cost averaging.

Which is a better investment – lumpsum or SIP?

Whether to opt for a lump sum or an SIP is one of the age-old dilemmas. It is difficult to make a choice. As per advisors, both investment options have their own set of advantages. As stated above, investment frequency is one of the major points of distinction between the two routes. You can invest only once in the lump sum route while in SIP mode, you must invest periodically.

An SIP is often advised as this route inculcates financial discipline, provides rupee cost benefits, permits flexibility in investment, and permits you to make the most out of the compounding effect. However, note that the lumpsum route is one of the best options during bearish markets as it permits you to purchase a higher number of mutual fund units at a lower net asset value.

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Blue chip fund: What it is, what it does, and why should you invest in it?

Mutual fund investments can be overwhelming and interesting at the same time. The possibility of earning profits and leveraging portfolio assets to achieve financial goals is something that every investor dreams of. Even though there is a certain amount of risk inherent in investing, there are various mutual funds that can help you minimise risk while enjoying the higher growth potential of well-established companies. Blue chip funds are one such option that can potentially offer both capital appreciation and stable returns.

Take a detailed look at what exactly blue chip funds are, how they work, and why you should consider investing in them as part of your portfolio.

What is a blue chip fund?

Blue chip mutual funds are equity mutual funds that typically invest in the stocks of well-established companies having high market capitalisation. These companies have a sustainable market share and enjoy strong brand recognition with products/services of great value, ensuring steady sales growth and financial results, which are highly sought after by investors. Most investors also use blue chip funds as a benchmark to assess the performance of other stocks. These funds tend to show relative stability during economic uncertainty while still giving better returns when the markets rise.

How do blue chip funds work?

Blue chip stocks are the shares of large-cap companies with a long record of profitable financial performance. Due to their stability, strong fundamentals, and large distribution network, the cost associated with blue chip funds can be higher, but investing in them can provide you with potential long-term financial growth opportunities.

According to the Securities and Exchange Board of India (SEBI), at least 80% of large cap mutual funds corpus should be invested in the top 100 largest companies listed in the stock markets by market capitalisation. Almost all of these top 100 companies can be classified as blue chip companies.

Why should you consider investing in blue chip funds as part of your portfolio?

  • For regular dividends and bonus shares

Blue-chip companies are generally considered secure investments as they pay regular dividends and issue bonus shares. This makes them an attractive investment option since their reputed presence in the market contributes to the assurance of consistent returns.

  • For long term goals

Blue chip funds have the potential to provide stable returns over the long term. Thus, with these funds, you can plan for retirement, help fund college tuition for kids or save for other important long-term financial goals. Also, the longer you remain invested in these funds, the more potential you can have to benefit from any market appreciation and boost your overall returns.

  • For a well-diversified mutual fund portfolio

As an investor, diversification is key to managing market fluctuations and reaching financial goals in a manner that balances risk and returns. Investing in blue-chip funds gives you access to the stocks of large-cap companies across multiple industries, ensuring that your portfolio is diverse and well-protected against losses when one industry/sector experiences volatility.

  • To handle economic downturns more proficiently

Blue chip funds are more likely to survive economic downturns since they are able to leverage their significant market share and established track record. With these features, these funds enjoy a competitive advantage over their competitors in the same sectors and can protect their shareholders better during difficult times.

Final words

With lower risk factors and consistent returns as its key features, a blue chip fund can be ideal for investors with a long-term horizon and who want their investments to sustain market fluctuations. The key rule is to research different types of mutual funds first, their objectives, expense ratio, and fund managers – so you can select one that fits your financial goals and meets your risk appetite.

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Get to Know If Property and Casualty Insurers Are Good Career Path

If you’re interested in insurance and wondering is property and casualty insurers a good career path, you might be thinking about becoming a property and casualty agent. If so, this article will give insight into what it takes to get started and how much money you can make in this field.

How much money do property and casualty insurance agents make?

The sky is the limit if you want to earn big money in property and casualty insurance. According to data from Payscale, the average salary of an agent in this field is $48,000 per year. However, depending on their commission structure and bonuses, agents can make much more than that.

What does a property and casualty insurance agent do?

A property and casualty insurance agent is an employee of a company, usually an insurance company, who helps customers find the right insurance coverage. The agent sells policies and works with customers to understand how they can best protect themselves in the event of loss or damage.

An agent will thoroughly understand all types of policies available, including car insurance, home owners’ or renters’ insurance, life insurance, and other personal lines products (such as pet health). They will also understand how each type of policy works so that they can guide their clients through the process.

Agents often work with other agents from different companies to help their clients get the best deal possible on car or house repairs or replacement costs after an accident has occurred—this is known as referral selling (or cross-selling).

What skills do property and casualty insurance agents need?

Since you will be working with clients, you must have good communication skills. You should also have the desire to help people and be able to effectively listen to and understand their needs. Property and casualty insurance agents must be able to manage time and prioritize tasks to ensure that they meet their clients’ needs.

In addition, it is helpful if you know about the insurance industry so that you can offer helpful advice on how best to achieve their goals through coverage from an insurance company like yours.

You can get paid well while helping people find the right insurance coverage.

Insurance agents are paid by commission, a percentage of an insurer’s premium for selling their products. The average commission rate is 10% of the first year’s premiums, but it declines over time as more agents are added to a market.

In general, you will be paid more in your first few years because less competition and higher margins are available to you. As you gain experience or have more agents working under you (we’ll get into that later), your compensation will decrease slightly due to increased competition and loss of margin.


It’s clear that property and casualty insurance agents are in high demand, but there are a lot of factors to consider when deciding whether this career path is right for you. We hope this article has helped you understand what being an agent entails and whether it might fit your goals and interests. If so, we encourage you to get started with our free online course on becoming an agent today!

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All About Loan DSA Partner Registration Bank

People looking for a means to earn extra money might take advantage of the amazing chances that direct selling loan agents (or DSA) can provide with Loan DSA Partner Registration Bank. However, it’s crucial to understand that this is a business with its fair share of difficulties. As soon as you join the company, you will be offered a variety of duties. You’ll need to be an effective manager, salesperson, and negotiator if you are working as a Loan DSA Partner Registration Bank agent. You can succeed in business if you are prepared to put in the effort. Loan agents who work for direct selling companies are self-employed individuals who are paid a commission for each loan they facilitate.

A DSA Partner of a Loan DSA Partner Registration Bank is a qualified financial advisor who offers their clients a range of services. They can also provide their clientele advice and financial services once they have registered with a DSA. In terms of various financial services, such as tax planning, investment advisory, and others, it offers a client additional support. In terms of total reach, a DSA partner can make a respectable amount of money by joining a DSA and referring credit products to their clients’ needs for both retail and business loans.

For a client who is already in contact with a financial advisor who is registered as a DSA agent, the partner becomes the first point of contact. A Loan DSA Partner Registration Bank agent comprehends a loan product tailored to the borrower’s needs and then manages the entire application and approval process with the bank. A DSA partner typically works independently and contacts several clients who are in need or seeking sound assistance.

How Do DSA Partners Work?

A DSA partner works with loan distributors and serves as a go-between for the client and the bank or loan provider. The DSA channel partner is paid a commission for supplying clients and overseeing the loan application procedure.

  1. Criteria for a Loan DSA Partner Registration Bank
  • Must be an Indian Citizen: Candidates for a DSA partner position must be Indian citizens
  • Must be Over 18 Years of Age: You must be at least 18 years old to work as a DSA agent in India
  1. You must have a sizable clientele in order to apply to be a DSA partner anywhere in the nation. Examples of clients would include tax advisors and chartered accountants.
  2. No Professional Qualifications: If you work in finance, you can become a DSA partner at Andromeda Loans without having any formal education.


The purpose of a DSA Partner is to establish a connection between a registered DSA and its current clientele who are searching for a loan. Additionally, they serve as a conduit between the parties involved in the transaction and help these people secure financing from a variety of lenders. They also have the added duty of handling, verifying, and submitting the paperwork. The DSA partner acts as a one-stop shop for all administrative requirements related to a borrower’s loan application.

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Advantages Of Using Technical Indicators to Improve Forex Trading Performance

Trading is a field of forex that has been studied extensively. One of the most certain facts about trading is that no prediction is ever totally certain. Forex trading is no different. Yet, with the help of some tools, it is possible to improve your trading performance.

What are Indicators and Analysers?

Technical indicators and analyzers are software tools used by forex traders to make informed decisions when buying and selling currencies. They improve performance in forex trading by providing traders with actionable data. In addition, they can use that data to create unique strategies with higher chances of success.

Benefits of Trading Tools

One benefit of using technical indicators is that they can help traders identify trends. For example, a moving average indicator shows the average price of a currency over a given period. This is a useful tool that can help traders determine the market’s overall direction so they can place bets accordingly.

Technical indicators can also be used to set entry and exit points for trades. A trader might test the market to determine an asset’s current and forecast state. This might be when a currency is overbought or oversold. These data points can subsequently be used to start entering or exiting trades automatically.

Another benefit of technical indicators is that they can help traders track market conditions. For example, a trader might use a volatility indicator to measure market fluctuations and adjust their trading strategy accordingly.

Where to Find the Right Trading Tools

Especially for beginners, technical analysis tools such as Finansya analyzers are indispensable. They can improve the accuracy and efficiency of a trader’s investments. These tools can help traders make more informed decisions by providing valuable insights into the market. Of course, it is important to note that technical indicators are not the only analysis techniques. Such techniques include research efforts into fundamental analysis and market news.


A novice trader will benefit from informed insights to get a complete picture of the market. No single indicator is the perfect tool, and traders should be careful not to rely too heavily on any one tool.

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An EMI calculator for future planning

Home is an important part of most youngsters’ financial security because it is something that you can call your own. It is a place that most of us look forward to & many middle class Indians dream about having a home. Homes are getting expensive day by day owing to the increasing prices of the raw materials & the amount of taxes & compliance that one has to go through when buying a home. If you are worried about your pocket strength & not having the direct cash to pay for the home of your dreams, make use of the SBI Home Loan.

Here are some quick points that you need to know about the SBI Home Loan & the SBI Home Loan EMI Calculator:

  1. The eligibility criteria requires an individual to be between the age range of 21 & 70 years. He or she needs to maintain & have a credit score of over 650. A credit score is a rating that credit providers give you in order to judge the repayment ability of the loans that you borrow.
  2. Individuals who are employed or are self-employed can apply for the home loan. However, a minimum income is required for the same. The income is about 25000 rupees per month. For individuals who are salaried employees, a minimum experience of 2 years is needed & for self-employed folks it’s 5 years to indicate a sense of stability.

What is a SBI Home Loan EMI calculator & how can you use the SBI Home Loan EMI Calculator for future planning:

  1. The SBI Home Loan EMI Calculator is a basic application that allows you to get an estimate of what your EMI will look like during your home loan tenure. It is based on the factors of the rate of interest that you would be charged during the tenure of the loan, the tenure i.e. the duration for which you would be repaying the home loan that you have borrowed & the principal amount, which is the amount that you have borrowed for the home loan.
  2. Let us come to the part that talks about how one can make use of SBI Home Loan EMI Calculator for future planning. Future planning in this case covers only those individuals who are going to be opting for the usage of a home loan or checking the potential EMI using the SBI Home Loan EMI Calculator.

Financial or future planning includes planning out an “x” years plan. This will give you a runway of how to go about making certain expenses. The expenses that you make during the course of your routine may include certain expenses that are not necessary. These expenses can be a part of expenses that are not essential or are made once in a while, however, their regularity affects your ability to save the precious funds that you need.

With the right planning, you can pay for EMIs, plan savings for your family & invest for their future along with living the life you want & desire.

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Marwan Kheireddine Explains Why Bankrupting Banks is a Bad Idea and Floats Crypto as a Possible Solution 

AM Bank Chairman Marwan Kheireddine has acknowledged the challenges currently facing Lebanon, including the calls from some activists for the bankruptcy of local banks due to blocking their deposits. However, Kheireddine disagrees with this approach. He points out that in Lebanon, like in other developed countries such as the United States, there is a deposit guarantee institution owned by the state that protects depositors up to 75 million Lebanese pounds, equivalent to around $3,000. Therefore, if the banks were to be bankrupted, the liquidation process would prevent them from being able to repay the deposits at their fair value, ultimately hurting the depositors. Said Marwan Kheireddine, “I am completely against bankrupting banks. Depositors, in the long-term, need to be assured that they will get more of their deposits, and not less.” Marwan Kheireddine emphasizes that he is against bankrupting banks because it is necessary to ensure that depositors receive as much of their deposits as possible in the long run.

Food Insecurity is Another Factor in Lebanon’s Recent Struggles

In addition to these financial struggles, Lebanon is facing food insecurity and rising oil and food costs due to the ongoing Russia-Ukraine conflict. Lebanon imports around 85% of its consumable goods and has been impacted by the COVID-19 pandemic and the Ukraine crisis, leading to shortages and increased prices. Marwan Kheireddine says, “The Ukraine situation has increased prices in Lebanon significantly. Food prices have gone up. Energy prices have gone up. When you add that up with worldwide shortages and higher demand, plus how much of Lebanon’s products are imported, it’s a bad situation.”

According to a UNICEF survey, four in ten Lebanese youth have used funds meant for education to purchase necessities, and three in ten have had to stop their education altogether. A UNICEF Lebanese representative released a press release saying that the youth of Lebanon are tough to hit. “More funding is necessary to make sure that money worries don’t hinder our youth from getting the education and skills that are necessary to find gainful employment and to be able to contribute to the growth and financial security of Lebanon’s future,” said Ettie Higgins.

News outlet Al Jazeera reported that almost 80% of Lebanon’s citizens have to live below poverty levels. Some are surviving on minimal rations like tea and bread. However, locals are trying to repair the situation by fixing shattered infrastructure and breathing new life into Lebanese industries.

Cryptocurrency as a Possible Solution

Marwan Kheireddine believes that cryptocurrency could potentially improve Lebanon’s economic situation, but only if the country’s economy opens up to the world and its government is no longer in default. Currently, Lebanon’s economy is closed off, and there are restrictions on the movement of funds through the financial system, hindering the use of cryptocurrency on a broader scale. Nevertheless, says Kheireddine, “There’s a role that crypto could play in Lebanon, and the Lebanese people have always been leaders and early adaptors of technology. But unless Lebanon’s economy opens up, it will be hard for crypto to have a chance here.”

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How To Get 1 Year Disney+Hotstar Subscription Free With Vi Postpaid Plans?

In the earlier days, you might have opted for Vodafone or Idea postpaid, now known as Vi postpaid, for the sheer ease of making your Idea or Vodafone bill payment, now combined as your Vi bill payment. But that’s not the case today, each of the Vi postpaid plans offered comes with a set of perks that might interest you.

One such perk that comes along with certain select Vi postpaid plans is the complimentary 1 Year Disney+Hotstar Subscription. Now, if you need a complete Premium Subscription, you’ll directly have to go to the Disney+Hotstar platform. However, if a 1-year Mobile Subscription or 1-year Super Subscription is enough for you, simply go for a Vi postpaid plan that suits your needs.

You can easily make your Vodafone bill payment, now known as your Vi postpaid bill payment, after using the services including your Disney+Hotstar subscriptions. But before that, let’s take a look at all the postpaid plans that offer complimentary Disney+Hotstar subscriptions:

Vi Postpaid Plans For Free Disney+Hotstar Subscription
Cost Per Month Data All India Calls SMS Additional Benefits
₹501 90GB Truly Unlimited 3000/Month 6 month Amazon Prime subscription.
1-year Disney+Hotstar Mobile subscription worth ₹499.
Vi Movies & TV VIP Access and 6-month ad-free access to Hungama music in the Vi App for all members.
ZEE5 Premium Movies, Originals and TV Shows on Vi Movies & TV app.
Binge from 12 am to 6 am for free.
200 GB data rollover for all members.
₹701 Unlimited Data Truly Unlimited 3000/Month 6 month Amazon Prime subscription.
Disney+Hotstar 1-year Super subscription worth ₹899.
Vi Movies & TV VIP Access along with 6-month ad-free access to Hungama music and ZEE5 Premium Movies, Originals and TV Shows on Vi Movies & TV app.
1 Year of full digital access to Wall Street Journal at no extra cost (coming soon).
₹1101 (REDX*) Unlimited Data Truly Unlimited 3000/Month All of the above plus:

12-month SonyLiv Premium subscription worth ₹999.
Access to International & Domestic airport lounges upto 4 times per year.
7 days International roaming pack worth ₹2999.
6-10% discount on booking via MakeMyTrip, upto Rs 2000 off on flights and Rs 5000 off on hotels.

₹999 for 3 Connections 220GB (140+40+40) Truly Unlimited 3000/Month Free 6-month Amazon Prime subscription for the primary member.
Disney+Hotstar 1-year Mobile Subscription worth ₹499 for the primary member.
Vi Movies & TV VIP Access, with 6-month ad-free access to Hungama music in the Vi App, and ZEE5 Premium Content on Vi Movies & TV app for all members.
200 GB data rollover for all members.
₹1149 for 5 Connections 300GB (140+40+
Truly Unlimited 3000/Month

*The REDX plan priced at ₹1101 comes with a lock-in of 6 months. If you change your plan to any other Postpaid plan or port out of Vi or migrate to Prepaid within 6 months of activating the REDX plan, you will be charged a one-time exit fee of ₹3000.

Hence, figure out your requirements and choose your Vi postpaid plan wisely. And if you’re not someone who wants to go for postpaid, you can get similar complimentary subscriptions to Disney+Hotstar by doing your Vi recharge online as well.

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How to Maximize Your Savings as a Senior Citizen with the SBI Senior Citizen Savings Scheme

As a senior citizen, you have several options available to you when it comes to saving for retirement. One option is the SBI Senior Citizen Savings Scheme, which offers several benefits and can help you maximize your savings. In this blog post, we’ll take a look at what the SBI Senior Citizen Savings Scheme is and how it works, as well as some tips on how to make the most of it.

The SBI Senior Citizen Savings Scheme.

The SBI Senior Citizen Savings Scheme is a special savings scheme for senior citizens aged 60 years and above. The scheme offers several benefits such as higher interest rates, income tax benefits, and relaxed KYC norms Digital Seva Portal.

How does the SBI Senior Citizen Savings Scheme work?

Investors can open an account under the scheme with a minimum deposit of Rs. 1000 and a maximum deposit of Rs. 15 lakhs. The deposits made under the scheme are eligible for income tax benefits under Section 80C of the Income Tax Act. The interest earned on the deposits is taxable as per the investor’s applicable slab rate.

What are the benefits of the SBI Senior Citizen Savings Scheme?

The main benefit of the SBI Senior Citizen Savings Scheme is that it offers higher interest rates to senior citizens as compared to other bank schemes. This makes it an attractive option for senior citizens who are looking to maximize their savings. The scheme also offers income tax benefits and relaxed KYC norms, which make it more convenient for senior citizens to invest in this scheme.

How to Maximize Your Savings as a Senior Citizen with the SBI Senior Citizen Savings Scheme.

The earlier you start investing, the more time your money has to grow. If you start investing at age 50, you will have 20 years until you reach age 70, when the SBI Senior Citizen Savings Scheme matures. If you start investing at age 60, you will have 10 years until maturity. The longer your investment has to grow, the more money you will have when it matures.

Invest a minimum of Rs. 1 lakh per annum.

To maximize your savings under the SBI Senior Citizen Savings Scheme, you should invest a minimum of Rs. 1 lakh per annum. This amount is necessary to take advantage of the higher interest rate offered on investments over Rs. 1 lakh. It is also important to remember that you can only make one withdrawal per year from your account, so it is important to make sure that your initial investment is enough to cover your expenses for the entire year.

Invest for the long term.

The SBI Senior Citizen Savings Scheme is designed for long-term investment, so it is important to plan accordingly. You should only withdraw money from your account when absolutely necessary, as this will reduce the amount of interest you earn on your investment over time. When making withdrawals, be sure to take into account any taxes or penalties that may apply.

Diversify your investments.

Diversifying your investments is always a good idea, and this is especially true with the SBI Senior Citizen Savings Scheme. By investing in other types of accounts, such as fixed deposit accounts or mutual funds, you can minimize risk and maximize returns. This will help ensure that you have enough money saved for retirement and other expenses later in life.


The SBI Senior Citizen Savings Scheme is a great way for senior citizens to maximize their savings. By investing early and often, investing a minimum of Rs. 1 lakh per annum, and investing for the long term, senior citizens can make the most of this scheme and secure their financial future.

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What Is A Lumpsum Calculator & How To Use Lumpsum Calculator?

SIP (Systematic Investment Plan) investments and lump sum investments are the primary categories under which mutual fund investments fall. Although SIPs have gained much popularity over the years, beginning investors might still need to understand lumpsum investing fundamentals fully.

In contrast to a systematic investment plan (SIP), a lumpsum investment is when an investor makes a one-time, independent investment in a specific programme.

What is a lumpsum calculator?

An online tool called a lumpsum calculator can assess the value of your lump sum mutual fund investment. You can quickly use this method to determine the value of your investment. You will usually be prompted to enter an investment amount, the investment length in years, and the estimated annual rate of return when using an online mutual fund lumpsum calculator.

Using the lumpsum investment calculator, you can determine the anticipated value of your mutual fund investments after the investment period. You can use this to determine whether your lumpsum investment will help you reach your financial objectives.

How does Lumpsum Calculator work?

This calculator allows investors to assess the expected returns on their lump sum investments. Thus, a potential investor can determine whether or not their financial goal will be met by the investment option they have chosen at the finish of the investment term.

The following are some advantages of utilising a lump sum calculator:

  • You get the anticipated return for the entire investment time from it. To get a close approximation, you must include information on the investment amount, the estimated rate of return, and duration (1 year, 3 years, etc.).
  • Once investors have a projected concept of the maturity value of their investment, it helps them plan and manages their finances more effectively (s).
  • Using a lumpsum calculator helps you eliminate human error and saves time wasted performing manual calculations.
  • Even inexperienced investors may use a lump sum rate of return calculator with comfort because it is effortless and convenient.
  • It should be noted that as investments in mutual funds are exposed to market risks, the returns cannot be precisely predicted.

Lump-sum The future value principle underlies how calculators operate. The lumpsum calculator provides the investment’s future worth at a specific interest rate. You must apply the following calculation:

FV = PV(r + 1)n

Future Value (FV)

Present Value (PV)

n = Number of years

n = Number of years

For instance, let’s say you made a lump sum investment of Rs. 1,000,000 in a 20-year mutual fund plan. You can anticipate a 10% return on your investment.

The future value of the investment can be calculated as follows: FV = 1,00,000(1+0.1)20

FV = Rs 6,72,750.

Your initial investment of Rs. 100,000 has risen to Rs. 6,72,750.

The increase in wealth is Rs 6,72,750 – Rs 1,00,000 = Rs 5,72,750.


An investor can invest a lump sum in an MF programme. An investor chooses this investment options if they have received a lump sum of money from selling some asset.

Large sums of money invested at once can be dangerous and lock up your funds; an early withdrawal might result in exit load fees and penalties. As a result, an investor needs to reconsider all the factors before investing.

This option was typically chosen by the investor with a lump sum of money and ultimately wishes to invest in mutual funds with an emphasis on equities. When the market is favourable for an investor to invest in equities, the lump sum is systematically transferred from debt mutual funds to equity mutual funds.

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