Rs 5 Lakh Lump Sum vs Rs 5,000 Monthly SIP: Which Creates More Wealth?

Lump sum and Systematic Investment Plan (SIP) are two popular ways of investing in mutual funds. While lump sum involves investing a large amount at once, SIP allows investors to put in smaller amounts at regular intervals. 

In a lump sum investment, the money is fully invested immediately. This allows it to potentially grow faster if markets perform well. However, it also carries higher short-term risk. If the portfolio is exposed to market fluctuations from the start, returns can be disappointing.

On the other hand, SIP involves investing smaller amounts regularly, such as monthly or weekly. This approach reduces risk by spreading investments over time. This can also help average out market ups and downs. 

ALSO READ: Equity Fund Inflows Slump 40% To Rs 22,908 Crore In May, Lowest In 2026

Both methods have their own benefits, risks and utilities. Investors with access to both may wonder how they can best maximise their returns. Whether lumpsum can work faster or SIPs are better. 

A quick calculation shows that under identical conditions, a lump sum is likely to benefit more due to higher power of compounding from the start. But is it suitable for everyone - let's see.

SIP:

• SIP amount: Rs 5,000
• Investment duration: 8.3 year
• Expected rate of return: 12%
• Invested amount: Rs 4,98,000
• Estimated returns: Rs 3,57,505
• Total value: Rs 8,55,505

Lumpsum:

• Investment amount: Rs 5,00,000
• Investment duration: 8.3 year
• Expected rate of return: 12%
• Invested amount: Rs 5,00,000
• Estimated returns: Rs 7,80,794
• Total value: Rs 12,80,794

What To Consider Before Investing:

Before choosing between a lump sum investment and a SIP, investors should assess their financial goals, risk tolerance and market conditions. People usually opt for SIPs through their regular income and lump sum when they get a bonus or a gift.

While lump sum investments have the potential for high returns, market timing can play a significant role in the returns. An investment made during unfavourable conditions can lead to poor outcomes and financial stress. As a result, investors with low to moderate risk appetite for mutual funds may consider the SIP route as it gives greater flexibility and peace and mind.

ALSO READ: Gold ETFs Break 13-Month Win Streak As Investors Pull Out Rs 725 Crore In May

Disclaimer: This article is only for informational purpose. Please consult registered financial advisors before taking investment decisions.

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Nifty, Sensex Erase Weekly Losses With Just Friday's Rally On Hopes Of US-Iran Peal Deal

Benchmark indices ended sharply higher, reversing earlier losses for the week on the back of strong Friday gains. The NSE Nifty 50 rose 1.99% to close at 23,622.90, up 461.30 points. The BSE Sensex climbed 2.30% to 75,527.95, gaining 1,695.40 points. Both indices turned positive for the week, with Nifty and Sensex ending higher after earlier declines between Monday and Thursday.

The rebound came after optimism around a potential US-Iran deal lifted sentiment across global markets and eased risk concerns.

Meanwhile, crude prices declined in early Asia trading on Friday after US President Donald Trump said Washington and Tehran had reached a framework agreement, raising hopes of easing tensions in the Middle East. WTI crude futures for July delivery dropped 1.65% to $86.26 per barrel. Brent crude fell 4.6% to $86.3 per barrel.

The slump in crude oil prices came after a draft memorandum between the US and Iran includes provisions to ease tensions and restore energy flows, according to Iranian state media. The draft outlines lifting US oil sanctions and reopening the Strait of Hormuz within 30 days. It also links final negotiations to steps such as releasing part of Iran's frozen funds and easing trade restrictions. The development follows US President Donald Trump's statement that a settlement with Iran is close, subject to finalisation.

Elsewhere, European markets traded in the green, with broad-based gains across key indices. Germany's DAX rose 1.86%, while France's CAC gained 2.09%. Spain's IBEX 35 was up 2.53% and Italy's FTSE MIB advanced 1.93%. UK's FTSE added 1.34%, while STOXX 600 climbed 1.72%. Other indices including OMX 30 and BEL 20 also posted gains, indicating positive sentiment across the region.

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Mumbai Police Responds To Priyanka Chaturvedi's 'Disgraceful' Remark

A viral social media post by the Mumbai Police addressing consent via the ongoing Pranit More biryani controversy has drawn sharp political backlash. Shiv Sena (UBT) lawmaker Priyanka Chaturvedi slammed the law enforcement department's official social media handle, calling its attempt to address the matter "disgraceful."

The Mumbai Police joined the conversation on X, using the trend to emphasise that consent cannot be bought. The police warned, “Rs 370 gets you one plate of biryani. Our lock-up serves free meals with a longer stay.” The post ended with the hashtag “#BiryaniIsNotConsent”.

????It's your choice

????निवड तुमची आहे!#BiryaniIsNotConsent pic.twitter.com/VtxXw7ehQt

— मुंबई पोलीस Mumbai Police (@MumbaiPolice) June 10, 2026

Responding to an official campaign touting the city's commitment to "Safeguarding Women", Chaturvedi criticised the force, replying, "Do better, Mumbai Police, this is so disgraceful."

Do better @MumbaiPolice , this is so disgraceful pic.twitter.com/kx1uwPSuu1

— Priyanka Chaturvedi???????? (@priyankac19) June 10, 2026

This gained the attention of users as well as police authorities, who responded further to her post, "Ma'am, with due respect to your interpretation, isn't it the most rightful thing to stand with women and for women?"

ALSO READ: Pranit More Show Row: Audience Member Loses Job Over Viral 'Rs 370 Biryani' Comment

While clarifying that the language was used only to grab attention and was intended for good purposes, the police added, "We condemn their dignity being breached even in words and are willing to put the word across in a language understood best. Safeguarding women and their dignity is never out of trend!"

This was dismissed by Chaturvedi, who said, "No. But they are selling cheap thrills on the basis of what is trending. Shameless."

What is the biryani controversy?

The "Rs 370 Biryani" controversy erupted after a clip from comedian Pranit More's crowd-work show went viral. In the video, an audience member named Himanshu Jangra stated that he spent Rs 370 on a chicken biryani date, implying that the financial expense entitled him to physical intimacy with the woman.

The comment sparked massive online outrage for reducing consent to a commercial transaction. Amid mounting backlash, comedian Pranit More issued an apology on Instagram before subsequently deactivating his account.

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SIPs Are Like Marilyn Monroe: "If You Can't Handle Them At Their Worst...''

Back in 2012, I interviewed the late Parag Parikh when he was about to launch PPFAS Mutual Fund. Besides his contrarian investing style, the one thing that stood out about him was his refreshingly candid take on things. This was when mutual funds were witnessing outflows for years and assets under management stood at a little over Rs 5 lakh crore - largely debt-oriented.

When I asked him how he planned to garner investments at a time when mutual funds weren't in favour, he said: "By being on the side of the investor". He then pointed to a note he had gotten stamped on the physical prospectus of the AMC's inaugural equity fund that said: "Please do not invest in this fund if you can't remain invested for at least five years".

I can't draw a straight line from the note to PPFAS' outperformance over the past decade, and the swelling of its assets. But surely, sobering investors' expectations when the temptation is to oversell helps attract the right set of investors who won't leave when the going gets tough.

ALSO READ: Equity Fund Inflows Slump 40% To Rs 22,908 Crore In May, Lowest In 2026

Don't Blame Your SIPs

Which brings me to the chatter over SIPs of late, as returns have remained muted for years amidst a sideways market.

Veteran investor Shankar Sharma seemingly mocked SIPs, saying they were a great product - but only for institutions that used it to sell expensive stocks to retail investors.

I have a different take. SIPs are a great product for retail investors, so long as expectations are rightly set.

For years, the industry has sold SIPs with the market squarely focused on returns but not risk. (That financial theory and practice equate risk with volatility is itself an awfully incorrect way of looking at things but that's a piece for another day.)

But all of investing boils down to a few basic truths - even first principles, if you will -- which the industry, and I dare say, financial media, overcomplicate.

Let's look at them from the Indian context:

1. Indian economy grows at an average 6%. Add another 4-6% by way of inflation, and we look at 10-12% nominal growth.
2. Consequently, companies, on average, will grow their earnings at a similar 12% rate - Sensex EPS data from 30 years bears out this correlation nearly one-to-one.
3. Assuming the market is fairly-valued (say an index price-to-earnings multiple of 16), you can expect 12% returns over the long term. Money doubles every six years. Pretty decent, though not spectacular.

The problem arises when the market goes from fairly valued to over valued, and investors are shown the recent 20-25% CAGR picture, without a warning that periods of underperformance likely follow periods of outperformance.

The standard disclaimer - "past performance is not an indicator of future results" - doesn't amount to much if the risk of negative or low long-term returns isn't specifically communicated in the context of the current valuation picture.

So, if, as an investor, you're unhappy with your SIP returns, you've been sold the right product with the wrong expectations.

ALSO READ: Gold ETFs Break 13-Month Win Streak As Investors Pull Out Rs 725 Crore In May

What You Should Expect Now

SIPs aren't a magic bullet that will always give good returns. Over a period of three-five years, their returns very much resemble a spring. If the market has fallen sharply recently, they will likely do well. If you start when a lot of the money has already been made recently, you will likely have to endure pain.

We're in the pain phase now, meaning that sooner or later, things will turn for the better. So, if you're an investor, this is the time to stay the course and not to throw in the towel.

The question is how much better.

After all, the market has only gone from expensive to less expensive.

Plus, the market is not fully pricing in changing global dynamics. Should equities be valued in the same way in a deglobalising world order, as they were in a globalising world where flow of capital was entirely driven by merit rather than also nationalistic considerations?

And it's not an overstatement to state that AI is the most powerful disinflationary force the world has, and will likely, ever see. Meaning the 6 + 6 math I outlined earlier could likely become 5 + 4 or thereabouts in the future.

So, if you continue to invest without worrying about returns, your SIP returns will likely go from poor to decent to maybe even amazing in due course.

Put simply, if the SIP could speak, it would liken itself to Marilyn Monroe who famously said: "if you can't handle me at my worst, you don't deserve me at my best."

I only wonder if you factored this in when you began your SIPs.

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Amy Adams Shares The Hilarious Reason She'll Never Enter The Love Island Villa

Millions of viewers are following the latest season of Love Island USA, and it turns out Amy Adams is one of them. The actress revealed that she is a big fan of the dating reality show, but made it clear that viewers should not expect to see her walking into the villa as a contestant anytime soon.

During an appearance on The Tonight Show Starring Jimmy Fallon, Adams spoke about her love for the series and shared why taking part in it will be extremely difficult for her. While she enjoys watching the drama, relationships and surprises, she joked that many parts of the experience sound like her worst nightmare.

Adams pointed to several things that will make life in the villa challenging, including constantly being around strangers, socialising all day, spending time in the sun and wearing swimwear. She also shared a funny observation about the show that many fans may have overlooked. According to her, there's very little shade around the villa.

Amy Adams said, “I'm a little behind on this season. A little behind. That show's really fun to watch, but it gives me a lot of anxiety. It's like my personal nightmare, like strangers, socialising, bikinis. Sun. There's just no shade. Does anyone notice there's no shade on the show? I would just be, like, running around with zinc oxide, being like, ‘You're looking a little crispy.' That's totally hot.”

When Jimmy Fallon asked, “Are you into reality TV in general?”

“I think I'm a little bit more of a true crime gal, I love Dateline. Why is it relaxing? I think there are psychological studies behind it, but I can't quote them, but we love it,” she said.

Amy Adams' appearance on The Tonight Show came days after the release of her new series, Cape Fear. The psychological thriller follows a happy couple whose lives are turned upside down when Max Cady, a notorious killer from their past, played by Javier Bardem, is released from prison and decides to take revenge.

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Dark Face Now Available on OTT: Know How To Stream This Crime-Thriller Film Online

Dark Face is a Tamil crime-thriller film that was written and directed by Saran Prakash. It is now available for rent only on BmsStream. It stars Y.G. Mahendran in the key role.

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Video: Salim Kumar's Son Confronts Paparazzi At Father's Funeral

The funeral of National Award-winning Malayalam actor Salim Kumar was held with full State honours at his residence in North Paravur, Ernakulam district, Kerala, on Sunday. 

Amid the sombre atmosphere, Salim Kumar's eldest son, Chandu, was seen visibly upset as large crowds and media personnel surrounded the residence. Videos circulating on social media show Chandu reportedly raising his voice at photographers and videographers, urging them to step back and allow the family enough space to pay their final respects in peace.

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The emotional moment unfolded as relatives and close friends gathered around the actor's mortal remains. With the area becoming increasingly crowded due to the presence of media and onlookers, Chandu appeared frustrated and repeatedly asked those carrying cameras to move away from the immediate vicinity of the family.

About Salim Kumar's Death

Salim Kumar died on Saturday. 

The Government of Kerala confirmed his death in an official statement and expressed "profound grief" over the loss of the veteran actor.

In its statement, the government described Salim Kumar as a "renowned film actor" and highlighted his contributions to Malayalam cinema. 

It noted that he won the National Film Award for Best Actor in 2010 for his performance in Adaminte Makan Abu. He had also received the Kerala State Film Award for Second Best Actor for Achanurangatha Veedu in 2005.

ALSO READ: Mammootty Mourns Salim Kumar's Death: 'An Unending Sorrow'

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Ugly Story Now Streaming Online: Everything You Need to Know About its Cast, Plot, and More

A psychological drama about a woman trapped in an abusive marriage who struggles to reclaim her life and freedom.

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Box Office: Peddi Hits The Ball Out Of The Park With A Rs 100 Crore Opening

Ram Charan–Janhvi Kapoor's Peddi smashed the box office with a clean century on its opening day. With a worldwide gross of Rs 112.49 crore, Ram Charan re-established his brand value as one of the biggest Telugu superstars. After the Game Changer debacle, Peddi became Ram Charan's second-highest opener after SS Rajamouli's RRR (2022).

Breaking down the numbers

In the domestic market, Peddi earned Rs 51 crore (net) across 12,412 shows, according to Sacnilk.

This brings total India gross collections to Rs 82.49 crore and total India net collections to Rs 69.50 crore so far.

Overseas, the film has grossed Rs 30.00 crore, pushing its total worldwide gross to Rs 112.49 crore.

The film earned Rs 18.50 crore from paid previews.

The contribution of the Telugu market to the opening-day numbers is Rs 47.20 crore, with Hindi adding Rs 3 crore to the total.

Footfall gradually increased after strong word of mouth across the day, registering 76.69% attendance in night shows, according to Sacnilk.

Significance of Peddi in Telugu Cinema 

The film has emerged as one of the biggest openers in Telugu cinema history and is the 11th Telugu film to achieve the coveted Rs 100 crore worldwide opening-day milestone.

“The achievement highlights Ram Charan's box-office pull and marks one of the biggest openings of his career. The result is particularly significant for the actor as it comes after the disappointing theatrical performance of Game Changer, reaffirming his status as one of Telugu cinema's biggest stars,” reported trade tracker Sacnilk.

Directed by SS Rajamouli, headlined by Ram Charan and Jr NTR, RRR made a whopping Rs 223 crore worldwide on day one.

Review

NDTV wrote in its review, “At the heart of Peddi is Ram Charan, who has given it his all in this role. He has immersed himself in the raw, rustic role and dominates every scene, whether it is romance, sports or fighting for his community. And Buchi Babu Sana has ensured plenty of elevation scenes and his superb dancing skills for the Telugu star, which are whistle-worthy, along with a strong emotional arc which Ram Charan has aced.”

Directed by Buchi Babu Sana, Peddi also stars Vijay Sethupathi, Boman Irani, Divyenndu and Jagapathi Babu in pivotal roles.

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'Gullak' Season 5 OTT Release: Date, Time, Plot, Cast, Where To Watch

The Mishra family is ready to open the doors of Mishra Nivas once again. After winning audiences over with its simple storytelling, relatable characters and slice-of-life moments, Gullak is returning for a fifth season that promises more laughter, family drama and emotional twists.

The newly released trailer revisits the familiar world of Mishra Nivas, bringing back the everyday moments and middle-class charm that define the series. While a renovated home and new additions like Wi-Fi hint at changing times, the show's focus on family bonds, conversations and daily struggles remains unchanged.

What happened in Season 4?

Season 5 arrives after an emotional fourth season that explored the changing dynamics within the Mishra household. The previous season saw Aman navigating the challenges of growing up, while his elder brother Annu finally achieved a breakthrough in his professional life after facing several setbacks.

What To Expect From Season 5?

Season 5 continues to follow the lives of the Mishras as they navigate changing times while staying rooted in the values that have made them one of the most loved families on Indian streaming platforms.

One of the key storylines this season centres on Annu Mishra, who appears to be considering moving into a separate apartment.

The development could bring significant changes to the family, as Season 5 explores themes of ambition, independence, self-discovery and the challenges that come with adulthood.

ALSO READ: Michael OTT Release: Date, Time, Where To Watch Biopic On King Of Pop

A Major Casting Change

Season 5 introduces a significant casting update, with Anant V. Joshi taking over the role of Annu Mishra from Vaibhav Raj Gupta, who portrayed the character in previous seasons.

The series continues to star Jameel Khan as Santosh Mishra, Geetanjali Kulkarni as Shanti Mishra, Harsh Mayar as Aman Mishra and Sunita Rajwar as Bittu Ki Mummy. The ensemble cast also includes Shivankit Singh Parihar, Gopal Dutt, Manuj Sharma and Helly Shah.

When And Where To Watch?

Gullak Season 5 will premiere on June 5, 2026, and will be available to stream on Sony LIV.

Watch The Trailer Here:

ALSO READ: 'He-Man And The Masters Of The Universe' India Release: Plot, Cast, Early Reviews — All You Need To Know

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Night Shift For Cuties Now Available for Streaming Online: What You Need to Know

Night Shift For Cuties follows two convenience store employees whose friendship is tested by a competition offering a trip to South Korea and a chance to meet their favorite K-pop stars.

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