Whalesbook
Financial experts Ritesh Sabharwal and Ranjit Jha discuss whether investors should use Systematic Investment Plans (SIPs) or lump sum investments. While lump sums may show higher returns on paper, SIPs often prove more effective for most Indian investors due to discipline, cost averaging, and managing market volatility. SIPs are ideal for regular salaried income, whereas lump sums suit windfalls or large surpluses with a long-term view. The experts emphasize consistency and starting early over chasing theoretical maximum returns.