{"id":1024,"date":"2024-04-22T06:47:00","date_gmt":"2024-04-22T06:47:00","guid":{"rendered":"https:\/\/jamawealth.com\/askguru\/?p=1024"},"modified":"2026-03-02T19:28:51","modified_gmt":"2026-03-02T19:28:51","slug":"what-is-the-difference-between-investing-5000-in-sip-and-5000-lump-sum-in-mutual-funds-every-month","status":"publish","type":"post","link":"https:\/\/maxiomwealth.com\/askguru\/2024\/04\/22\/what-is-the-difference-between-investing-5000-in-sip-and-5000-lump-sum-in-mutual-funds-every-month\/","title":{"rendered":"What is the difference between investing 5000 in SIP and 5000 (lump sum) in mutual funds every month?"},"content":{"rendered":"\n<p>The difference is in psychology!<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>With a lumpsum investment every month, you have to make sure you&nbsp;<strong>remember<\/strong>&nbsp;to invest on a given date.<\/li><li>If you are&nbsp;<strong>moody<\/strong>, stressed, out on a vacation, angry then likely that that months investment may not be made.<\/li><li>What if there is&nbsp;<strong>panic<\/strong>&nbsp;in the markets? You may not invest thinking you might lose!<\/li><li>What if there is&nbsp;<strong>euphoria<\/strong>&nbsp;in the markets? You may not invest thinking markets are expensive!<\/li><\/ul>\n\n\n\n<p>So there are many reasons why our behaviour is impacted due to various reasons. An SIP smoothens these out and makes sure that investments are regularly done from your bank account.<\/p>\n\n\n\n<p>There is an excellent way to invest in SIP that gives both these options to you. [Disclosure: This feature is only available on the\u00a0<a href=\"https:\/\/maxiomwealth.com\/\">Maxiomwealt<\/a>h\u00a0platform]<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Automatically debit SIP from your bank account each month.<\/li><li>Pay as you go. You will get a payment link each month. So forgetting won&#8217;t be an issue. You can choose to pay or ignore it if you dont have funds.<\/li><\/ol>\n\n\n\n<p>And the best platforms can either use Net banking to register your SIP with the bank, or allow an OTP authorisation on your Aadhar linked bank account, without Net banking!<\/p>\n\n\n<!-- mw-cta-block -->\n\n<div class=\"mw-cta-block\" style=\"background:#EEF3FC;border-left:5px solid #1C52A0;padding:22px 26px 20px;margin:36px 0 24px;border-radius:0 10px 10px 0;\">\n  <p style=\"margin:0 0 4px;font-size:11px;font-weight:700;color:#276FC4;letter-spacing:1px;text-transform:uppercase;\">Maxiom Wealth \u2014 Free Tool<\/p>\n  <h3 style=\"margin:0 0 10px;font-size:19px;font-weight:700;color:#113E81;line-height:1.3;\">How Much Will Your SIP Grow to?<\/h3>\n  <p style=\"margin:0 0 18px;color:#444;font-size:15px;line-height:1.65;\">Use our free SIP calculator to project your wealth at 5, 10, or 20 years. Small monthly amounts compound into life-changing wealth \u2014 but only if you start early enough.<\/p>\n  <a href=\"https:\/\/maxiomwealth.com\/resources\/calculators\/sip\" style=\"display:inline-block;background:#1C52A0;color:#fff!important;padding:11px 22px;border-radius:6px;text-decoration:none;font-weight:600;font-size:14px;margin:0 10px 8px 0;\">Try the SIP Calculator \u2192<\/a>\n  <a href=\"https:\/\/maxiomwealth.com\/meeting\" style=\"display:inline-block;border:2px solid #1C52A0;color:#1C52A0!important;padding:9px 22px;border-radius:6px;text-decoration:none;font-weight:600;font-size:14px;margin-bottom:8px;\">Talk to a Financial Advisor<\/a>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>The difference is in psychology! With a lumpsum investment every month, you have to make sure you&nbsp;remember&nbsp;to invest on a given date. If you are&nbsp;moody, stressed, out on a vacation, angry then likely that that months investment may not be made. What if there is&nbsp;panic&nbsp;in the markets? You may not invest thinking you might lose!&hellip;&nbsp;<a href=\"https:\/\/maxiomwealth.com\/askguru\/2024\/04\/22\/what-is-the-difference-between-investing-5000-in-sip-and-5000-lump-sum-in-mutual-funds-every-month\/\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">What is the difference between investing 5000 in SIP and 5000 (lump sum) in mutual funds every month?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[38,84],"tags":[],"class_list":["post-1024","post","type-post","status-publish","format-standard","hentry","category-mutual-funds","category-sip-vs-lumpsum"],"_links":{"self":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/1024","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/comments?post=1024"}],"version-history":[{"count":2,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/1024\/revisions"}],"predecessor-version":[{"id":3708,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/1024\/revisions\/3708"}],"wp:attachment":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/media?parent=1024"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/categories?post=1024"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/tags?post=1024"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}