Two investment approaches—making a monthly SIP of Rs 15,000 or investing Rs 15 lakh as a lump sum—are compared for their potential to build a larger retirement-style corpus over 20 years. The analysis assumes a constant 12% annual return to estimate final portfolio values under each strategy.
The SIP approach spreads contributions over time, while the lump-sum strategy places the full amount upfront and relies on compounding from the start. The comparison focuses on which method produces a higher ending corpus under the single return assumption, rather than on taxes, inflation, fees, or the ability to invest the lump sum immediately.
The outlet presents this as a straightforward mathematical scenario, framing the decision in terms of long-term growth and compounding. No other reporting angles are included beyond the numerical comparison under the stated assumptions.
