Investment Return Simulator
Compare how your lump-sum investment grows across different risk scenarios. Model conservative, moderate, and aggressive outcomes side by side.
Moderate Scenario (Balanced / Large Cap (~12%))
₹15.53 L
+₹10.53 L profit
Conservative
FD / Debt Funds (~8%)
₹10.79 L
+116%
Moderate
Balanced / Large Cap (~12%)
₹15.53 L
+211%
Aggressive
Small / Mid Cap (~18%)
₹26.17 L
+423%
Frequently Asked Questions
What is a lumpsum investment?
A lumpsum investment means investing a large amount at once (as opposed to SIP). It works best in rising markets or when you have a long horizon (10+ years) to ride out volatility.
What returns can I expect from mutual funds?
Historical Indian market returns: Large-cap 12-14%, Mid-cap 15-18%, Small-cap 18-22%, Debt funds 7-9% CAGR over 10+ years. Past performance doesn't guarantee future results.
Is lumpsum better than SIP?
Lumpsum outperforms in rising markets; SIP wins in volatile/falling markets via rupee cost averaging. For most people, SIP is safer. Use lumpsum when markets are undervalued or you have 10+ year horizon.
How does compounding work?
Compounding = returns on returns. ₹1L at 12% becomes ₹1.76L (5yr), ₹3.1L (10yr), ₹9.6L (20yr). The longer you stay invested, the more powerful compounding gets. Time in market > timing the market.