📊 ₹5,000 SIP vs ₹60,000 Lump Sum in 10 Years
✔️ 1. ₹5,000 SIP for 10 years
- Monthly investment: ₹5,000
- Duration: 120 months
- Assumed return: 10% p.a.
- Future Value = approx ₹10.3 lakh
👉 Total invested: ₹6,00,000
👉 Wealth gained (profit): approx ₹4.3 lakh
✔️ 2. ₹60,000 Lump Sum for 10 years
- One-time investment: ₹60,000
- Duration: 10 years
- Assumed return: 10% p.a.
- Future Value = approx ₹1.56 lakh
👉 Wealth gained (profit): approx ₹96,000
🏆 Which creates more wealth?
💥 Winner: ₹5,000 monthly SIP
It grows to ₹10.3 lakh, which is over 6 times more than the lump sum value of ₹1.56 lakh.
Even though SIP total investment is ₹6 lakh vs lump sum ₹60k, SIP builds far more wealth because:
- Continuous compounding
- Rupee-cost averaging
- Market volatility advantages
📌 Quick Summary Table
| Investment Type | Total Invested | Value After 10 Years | Wealth Gained |
|---|---|---|---|
| ₹5,000 SIP | ₹6,00,000 | ₹10.3 lakh | ₹4.3 lakh |
| ₹60,000 Lump Sum | ₹60,000 | ₹1.56 lakh | ₹96,000 |
