Investors who have built a disciplined SIP portfolio often face a different challenge when they receive a large lump-sum amount. While long-term equity investing can help create substantial wealth, deploying a sizeable corpus at one go may expose investors to short-term market timing risks. Financial planners generally recommend a structured approach that balances growth opportunities with risk management, especially when the investment horizon extends over 15-20 years.
One such query came from Sandhya, a viewer of The Money Show on ETNow, who is already investing through SIPs in a largecap fund, midcap fund, flexicap fund, and smallcap fund and now wants to invest an additional Rs 30 lakh for next 20 years. She wants to know the strategy to deploy such a large amount or use staggered investing and how she should ideally plan the allocation.
