Lumpsum

Investors with a large corpus can either invest it in equity at once or stagger the deployment through a six-month STP. FundsIndia’s 25-year Nifty 50 data shows that lumpsum had a modest edge in the medium term, but the return gap narrowed over longer periods.

The Compound Annual Growth Rate (CAGR) is the average annual rate of return of a lump-sum investment over a specific period. The Extended Internal Rate of Return (XIRR) is a return calculation method used for investments with multiple cash flows occurring on different dates.

A study by DSP Asset Managers comparing 30 years of market data across major global markets suggests that SIPs may not always generate higher headline returns than lumpsum investing, but they often deliver more consistent and resilient outcomes for investors.

Redeeming from equity during a market downturn locks in losses permanently — the corpus never fully recovers. SWPs from debt or hybrid funds avoid this, preserving equity's compounding runway.

BHEL OFS: The PSU stock cracked 6% today as the two-day OFS by the promoters, i.e. the government of India, kicked off with a floor price of ₹254 — which is at a 8% discount to the last close of ₹276.10.

The BSE PSU index settled the last trading session on August 29 at 18,319.45, down 20.41% from its all-time high of 23018.87. Meanwhile, out of the 63 index constituents, some 10 stocks have managed to gain over the last one year, while others have declined by up to 53%.

Call it pure mathematics or a miracle to grow your money, the Magic of Compounding is the inherent force behind many people becoming rich or growing their corpus within a few decades.

Investors with a large corpus can either invest it in equity at once or stagger the deployment through a six-month STP. FundsIndia’s 25-year Nifty 50 data shows that lumpsum had a modest edge in the medium term, but the return gap narrowed over longer periods.

Call it pure mathematics or a miracle to grow your money, the Magic of Compounding is the inherent force behind many people becoming rich or growing their corpus within a few decades.