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About the Lumpsum Calculator
A lump sum investment compounds on itself from day one, with no further contribution. Over long periods the effect is dramatic: at 12%, money doubles roughly every six years, so ₹5 lakh becomes about ₹15.5 lakh in a decade.
The risk is entry timing. Putting a large sum into equity just before a correction can take years to recover, which is why large amounts are often staggered over several months through a systematic transfer plan.
The formula
Assumes annual compounding of returns with no withdrawals along the way.
Things worth knowing
Frequently asked questions
Future value = P × (1 + r)^n, where P is the amount invested, r the annual return and n the number of years. Returns compound annually with no withdrawals.
If the money is already in hand and the horizon is long, a lump sum has historically done slightly better because it is invested longer. A SIP or systematic transfer reduces the risk of entering at a peak, which matters more for large amounts.
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