Which of these is a better investment technique linked with ELSS, investing Rs 8000 on the 1st every month via OTM or opting out of OTM SIPs and investing Rs 8000 as a lump sum across the 3 funds every month when the NAV is low?

Investing with a One Time Mandate helps add discipline to your investing. Trying to time the market and guessing when the NAV is a futile exercise. A suited has shown that irrespective of the day of your monthly SIP the net gains over a 10 year period are almost the same.

Do make sure you invest in direct plans of mutual funds as they give an extra 1% to 1.5% by cutting gout broker commissions. This adds upto to about 40% more over a persons investment career.