{"id":276,"date":"2026-02-05T17:23:15","date_gmt":"2026-02-05T11:53:15","guid":{"rendered":"https:\/\/prodigypro.co.in\/blog\/?p=276"},"modified":"2026-08-20T10:59:53","modified_gmt":"2026-08-20T05:29:53","slug":"turn-%e2%82%b91-lakh-into-%e2%82%b94-lakhs","status":"publish","type":"post","link":"https:\/\/prodigypro.co.in\/blog\/turn-%e2%82%b91-lakh-into-%e2%82%b94-lakhs\/","title":{"rendered":"How Rs 1 Lakh Can Potentially Grow to Rs 4 Lakh in 10 Years\u00a0"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/02\/\u20b91-Lakh-Into-\u20b94-Lakhs-1024x576.webp\" alt=\"\u20b91 Lakh Into \u20b94 Lakhs\" class=\"wp-image-277\" srcset=\"https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/02\/\u20b91-Lakh-Into-\u20b94-Lakhs-1024x576.webp 1024w, https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/02\/\u20b91-Lakh-Into-\u20b94-Lakhs-300x169.webp 300w, https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/02\/\u20b91-Lakh-Into-\u20b94-Lakhs-768x432.webp 768w, https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/02\/\u20b91-Lakh-Into-\u20b94-Lakhs-1536x864.webp 1536w, https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/02\/\u20b91-Lakh-Into-\u20b94-Lakhs-2048x1152.webp 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Let me ask you something: what would you do with Rs 4 lakhs if it just showed up in your account one fine morning?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A lumpsum investment calculator can help you see how a one-time investment could potentially grow over the years. So, instead of wondering what Rs 1 lakh could become in the future, let\u2019s look at a real example.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Would you finally take that long-overdue vacation with your family? Or maybe use it as a down payment for a car you\u2019ve been eyeing? Or perhaps just enjoy the peace of mind that comes from knowing you\u2019ve got a tidy little financial cushion?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Well, here\u2019s the thing \u2014 you don\u2019t need to win a lottery to make that happen. You just need to plant one financial seed, let it grow, and watch it blossom.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If that sounds surprising, here\u2019s how a Rs 1 lakh one-time investment could potentially grow to Rs 4.04 lakh in 10 years. No complex strategies, no Wall Street jargon. Just a simple, well-timed move that anyone \u2014 yes, anyone \u2014 can do.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/prodigypro.co.in\/blog\/turn-%e2%82%b91-lakh-into-%e2%82%b94-lakhs\/#Give_Your_Lump-Sum_Investment_Time_to_Grow\" >Give Your Lump-Sum Investment Time to Grow&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/prodigypro.co.in\/blog\/turn-%e2%82%b91-lakh-into-%e2%82%b94-lakhs\/#The_Magic_of_Compounding_%E2%80%94_Your_Moneys_Best_Friend\" >The Magic of Compounding \u2014 Your Money\u2019s Best Friend<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/prodigypro.co.in\/blog\/turn-%e2%82%b91-lakh-into-%e2%82%b94-lakhs\/#What_Makes_Lump_Sum_Investment_so_Special\" >What Makes Lump Sum Investment so Special?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/prodigypro.co.in\/blog\/turn-%e2%82%b91-lakh-into-%e2%82%b94-lakhs\/#How_Different_Investors_Could_Use_a_Lump-Sum\" >How Different Investors Could Use a Lump-Sum<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/prodigypro.co.in\/blog\/turn-%e2%82%b91-lakh-into-%e2%82%b94-lakhs\/#But_What_If_the_Market_Falls\" >But What If the Market Falls?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/prodigypro.co.in\/blog\/turn-%e2%82%b91-lakh-into-%e2%82%b94-lakhs\/#A_Simple_Action_Plan_to_Start_Your_Lump-Sum_Investment\" >A Simple Action Plan to Start Your Lump-Sum Investment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/prodigypro.co.in\/blog\/turn-%e2%82%b91-lakh-into-%e2%82%b94-lakhs\/#Final_Thoughts\" >Final Thoughts&nbsp;&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/prodigypro.co.in\/blog\/turn-%e2%82%b91-lakh-into-%e2%82%b94-lakhs\/#Is_it_okay_to_invest_%E2%82%B91_lakh_at_one_go\" >Is it okay to invest \u20b91 lakh at one go?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/prodigypro.co.in\/blog\/turn-%e2%82%b91-lakh-into-%e2%82%b94-lakhs\/#What_if_the_market_falls_after_I_invest\" >What if the market falls after I invest?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/prodigypro.co.in\/blog\/turn-%e2%82%b91-lakh-into-%e2%82%b94-lakhs\/#Do_I_need_deep_knowledge_to_start\" >Do I need deep knowledge to start?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/prodigypro.co.in\/blog\/turn-%e2%82%b91-lakh-into-%e2%82%b94-lakhs\/#Is_lump_sum_better_than_SIP\" >Is lump sum better than SIP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/prodigypro.co.in\/blog\/turn-%e2%82%b91-lakh-into-%e2%82%b94-lakhs\/#When_will_I_see_real_growth\" >When will I see real growth?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Give_Your_Lump-Sum_Investment_Time_to_Grow\"><\/span>Give Your Lump-Sum Investment Time to Grow&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Imagine you receive a Rs 1 lakh bonus at work.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You could spend it on a new gadget, a fancy dinner, a weekend getaway, or that piece of furniture you\u2019ve been eyeing for months.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You could do numerous things, but what if you decide to invest that money? That\u2019s where lump-sum investing comes into the picture.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The concept of lump-sum investing is very simple. Unlike a Systematic Investment Plan (SIP), where you invest a fixed amount at regular intervals, a lump-sum investment involves investing a one-time amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And the idea of investing that Rs 1 lakh bonus isn\u2019t bad either; after all, you don\u2019t need the money urgently\u2014so it could sit and grow.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Moreover, for someone who has received a bonus, tax refund, gift, or simply has some surplus money lying around, lump-sum investing can be an option worth considering\u2014provided it fits their financial goals, risk appetite, and time horizon.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To understand how much that Rs 1 lakh could potentially grow, you can use a<a href=\"https:\/\/prodigypro.co.in\/calculators\/lump-sum-calculator\"> LumpSum investment Calculator<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s say you enter:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Initial investment: Rs 1,00,000<\/li>\n\n\n\n<li>Investment period: 10 years<\/li>\n\n\n\n<li>Assumed annual return: 15%<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The estimated future value comes to approximately Rs 4.04 lakh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Of course, the 15% figure is only an assumption for illustration. Mutual fund returns are market-linked and are not guaranteed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Magic_of_Compounding_%E2%80%94_Your_Moneys_Best_Friend\"><\/span>The Magic of Compounding \u2014 Your Money\u2019s Best Friend<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s take a moment to talk about the real hero of this story: compounding.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You see, compounding is like planting a tree. You water it (your initial investment), and over time, it starts to grow on its own. The returns you earn each year aren\u2019t just added to your original investment \u2014 they start earning returns too. So, the longer you leave your money alone, the bigger the tree gets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And just like trees don\u2019t grow overnight, neither does your investment. But given time, the growth becomes surprisingly rapid.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this case, Rs 1 lakh grew to Rs 4.04 lakhs over 10 years. That\u2019s a potential gain of more than Rs 3 lakh. The example highlights how time and compounding can work in an investor\u2019s favour without requiring daily trading or attempts to time the market.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Makes_Lump_Sum_Investment_so_Special\"><\/span>What Makes Lump Sum Investment so Special?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/02\/lumpsum-investment-calculator-1024x683.png\" alt=\"lumpsum investment calculator\n\" class=\"wp-image-820\" srcset=\"https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/02\/lumpsum-investment-calculator-1024x683.png 1024w, https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/02\/lumpsum-investment-calculator-300x200.png 300w, https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/02\/lumpsum-investment-calculator-768x512.png 768w, https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/02\/lumpsum-investment-calculator.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">You might be thinking \u2014 why would someone invest a lump sum instead of a monthly SIP?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Great question. SIPs are fantastic, but lump sum investments have their own charm:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ideal for windfalls: Got a bonus, <a href=\"https:\/\/www.incometax.gov.in\/iec\/foportal\/help\/refund_status_user_manual\" target=\"_blank\" rel=\"noreferrer noopener\">tax refund<\/a>, or gift? Instead of letting it sit idle, you invest it and let time do the work.<\/li>\n\n\n\n<li>One and done: No need to remember monthly payments or auto-debits. Just invest and be patient.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Different_Investors_Could_Use_a_Lump-Sum\"><\/span>How Different Investors Could Use a Lump-Sum<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Let us tell you about a few people who used this exact approach \u2014 no fancy strategies, no market wizardry.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1. <strong>Ramesh\u2019s Retirement Boost<\/strong><strong><br><\/strong>Ramesh retired early at 50. He received a lump sum from his company. Instead of putting it all in a fixed deposit (which his bank strongly encouraged), he invested Rs 1 lakh in a mutual fund as per his financial objectives. 10 years later, it was worth over Rs 4 lakh \u2014 helping fund his granddaughter\u2019s college education.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2. <strong>Priya\u2019s Wedding Fund<\/strong><strong><br><\/strong>Priya wanted to contribute to her own wedding but didn\u2019t know how. She invested Rs 1 lakh she had saved during her internship years. A decade later, that fund was the cherry on top of a beautiful wedding celebration.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"But_What_If_the_Market_Falls\"><\/span>But What If the Market Falls?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Great point. What if you invest a lump sum and then the market drops?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s the truth: short-term fluctuations will happen. With a 10-year investment horizon, investors may have more time to ride out short-term market volatility. However, a longer horizon does not eliminate market risk or guarantee returns.&nbsp; In fact, many investors find that those market dips are opportunities in disguise \u2014 because your money is already in and positioned to benefit from the eventual rise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Think of it like this: you\u2019re on a long train ride. The scenery might not be beautiful the whole way, but the destination is worth it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"A_Simple_Action_Plan_to_Start_Your_Lump-Sum_Investment\"><\/span>A Simple Action Plan to Start Your Lump-Sum Investment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">So, now that you know what\u2019s possible, let\u2019s talk about how to actually do it, which honestly is easier than you think.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 1:<\/strong> Know Your Goals<br>What are you saving for? A home? Travel? Education? Retirement?<a href=\"https:\/\/prodigypro.co.in\/financial-planning\"> Knowing your \u201cwhy\u201d<\/a> helps pick the right fund.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 2:<\/strong> Use the Prodigy Pro Lumpsum investment Calculator<br>Just head to their calculator, select the lump sum tab, and play with numbers. You\u2019ll see exactly how much your money can grow over time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 3: <\/strong>Pick a Mutual Fund<br>Stick with something aligned with your goals \u2014 long-term equity <a href=\"https:\/\/prodigypro.co.in\/mutual-funds\">mutual funds<\/a> are a popular choice for a 10-year horizon.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step 4: <\/strong>Invest and Forget<br>Seriously. Don\u2019t check it daily. Don\u2019t panic during market dips. Just trust the process.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Final_Thoughts\"><\/span>Final Thoughts&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re sitting on Rs 1 lakh right now and wondering what to do with it, consider investing it: every year you wait is a year you miss out on potential growth. That\u2019s not just theoretical \u2014 it\u2019s measurable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s say you waited 2 years before investing that Rs 1 lakh. With the same, let\u2019s say, 15% return, instead of Rs 4.04 lakhs, you\u2019d end up with only Rs 3.05 lakhs in 8 years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That\u2019s almost Rs 1 lakh of lost growth because you waited for absolutely no good reason.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes, all it takes is one decision to change how your future looks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So\u2026 what\u2019s stopping you?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Please share your thoughts on this post by leaving a reply in the comments section. Contact us via phone, WhatsApp, or email to learn more about mutual funds, or visit our website. Alternatively, you can download the <a href=\"https:\/\/app.prodigypro.co.in\/\">Prodigy Pro app<\/a> to start investing today!<\/em><\/p>\n\n\n<div ><style>#sp-ea-275 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 300ms;}#sp-ea-275.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-275.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #ffffff;}#sp-ea-275.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-275.sp-easy-accordion>.sp-ea-single {background: #7c8cff;}#sp-ea-275.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #444;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1770287197\"><div id=\"sp-ea-275\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card ea-expand sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"Is_it_okay_to_invest_%E2%82%B91_lakh_at_one_go\"><\/span><a class=\"collapsed\" id=\"ea-header-2750\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse2750\" aria-controls=\"collapse2750\" href=\"#\" aria-expanded=\"true\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-minus\"><\/i> Is it okay to invest \u20b91 lakh at one go?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse2750\" data-parent=\"#sp-ea-275\" role=\"region\" aria-labelledby=\"ea-header-2750\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">Yes, if the money isn\u2019t needed soon and your goal is long term. Time matters more than timing.<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"What_if_the_market_falls_after_I_invest\"><\/span><a class=\"collapsed\" id=\"ea-header-2751\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse2751\" aria-controls=\"collapse2751\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> What if the market falls after I invest?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse2751\" data-parent=\"#sp-ea-275\" role=\"region\" aria-labelledby=\"ea-header-2751\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">Short-term falls happen. Over 8\u201310 years, markets usually recover and reward patience.<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"Do_I_need_deep_knowledge_to_start\"><\/span><a class=\"collapsed\" id=\"ea-header-2752\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse2752\" aria-controls=\"collapse2752\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Do I need deep knowledge to start?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse2752\" data-parent=\"#sp-ea-275\" role=\"region\" aria-labelledby=\"ea-header-2752\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">Not at all. A clear goal and long-term mindset are enough.<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"Is_lump_sum_better_than_SIP\"><\/span><a class=\"collapsed\" id=\"ea-header-2753\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse2753\" aria-controls=\"collapse2753\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Is lump sum better than SIP?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse2753\" data-parent=\"#sp-ea-275\" role=\"region\" aria-labelledby=\"ea-header-2753\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">Neither is better. Lump sum works well for bonuses or savings; SIPs suit regular income.<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"When_will_I_see_real_growth\"><\/span><a class=\"collapsed\" id=\"ea-header-2754\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse2754\" aria-controls=\"collapse2754\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> When will I see real growth?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse2754\" data-parent=\"#sp-ea-275\" role=\"region\" aria-labelledby=\"ea-header-2754\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">Usually after 7\u201310 years, when compounding really kicks in.<\/span><\/p><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><strong>Disclaimer \u2013 <\/strong>This article is for educational purposes only and does not intend to substitute expert guidance. Mutual fund investments are subject to market risks. Please read the scheme-related document carefully before investing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Let me ask you something: what would you do with Rs 4 lakhs if it just showed up in your account one fine morning? A lumpsum investment..<\/p>\n","protected":false},"author":1,"featured_media":277,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-276","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/posts\/276","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/comments?post=276"}],"version-history":[{"count":2,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/posts\/276\/revisions"}],"predecessor-version":[{"id":821,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/posts\/276\/revisions\/821"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/media\/277"}],"wp:attachment":[{"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/media?parent=276"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/categories?post=276"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/tags?post=276"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}