Compare contribution timing and model assumptions without treating a growth projection as a promised return.
Separate timing from performance
A recurring contribution spreads purchases across dates; a lump sum invests an amount at one date. Market movements, costs and available cash affect the result. Neither contribution pattern guarantees a better outcome.
Read a projection correctly
The SIP Calculator uses a constant assumed growth rate and a recurring contribution model. Actual returns vary and can be negative. It does not model a market price path, fees or taxes and should not be used as a promised maturity amount.
Compare like cash flows
Hold the investment horizon and total available contributions consistent. A comparison that gives one approach more cash for longer is not isolating timing. Record whether contributions occur at the beginning or end of a period and use the same convention for both cases.
Consider circumstances beyond the total
Liquidity needs, risk tolerance, fees and the product’s documents matter alongside any projection. This guide explains a model comparison; it recommends no investment product or allocation. Seek qualified advice for an individual decision.