Lumpsum vs Monthly?

#1
Dear fellow community members,

Please help me with the following:

I want to build a 2+ cr. corpus in the next 20 yrs. (by 2038 approx). Should I think about a lump-sum one time investment or a monthly SIP for best returns?

Thanks.
 
#3
Thanks for the reply.

Frankly speaking my knowledge about investments is almost zero. Broadly I have a target (2+ Cr) which I wish to fulfill in the next 20 years. How would you suggest me to proceed and what should I look for.

On a monthly basis I can invest around 30K to max 35K a month. In broad terms, considering a long-term (20yr) time frame. What would be your advise?

Thanks.
 
#4
Hi,

If you have the capacity to invest 35,000 per month for 20 years, there is the strong probability of you achieving more than you target amount (if you choose the right funds and monitor it on regular basis). Even if we take a conservative approach towards the rate of return say around 13 percent, you can gather around 3+ Cr in 20 years. Whenever you have lump sum amount you can invest that too. This way you can achieve your target sooner.

Watch my channel B wealthy to get a complete idea of how to invest in mutual funds to achieve your target https://www.youtube.com/c/bwealthy
 
#5
Kotak Mutual Funds

I would suggest Kotak Mutual Funds SIP investment plan for better returns. On the contrary, if you are looking for very high returns, it would be wiser to invest on stock exchange after a thorough research of current market trends.
 
#6
Dear fellow community members,

Please help me with the following:

I want to build a 2+ cr. corpus in the next 20 yrs. (by 2038 approx). Should I think about a lump-sum one time investment or a monthly SIP for best returns?

Thanks.
If you have a capacity of 35k per month you start with SIPs, dividing 35k in 3-4 funds and increasing it 2-5k every year.
 
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