Lump sum mutual fund investment of ₹1.2 lakh yearly, assuming annual returns of 10%, 12% and 15% over long horizons, yields higher returns than ₹10,000 SIP, Moneycontrol reported. However, lump sum returns tend to decline during market downturns, while SIPs benefit. "Keep SIPs as...core wealth-builder...When markets dip or surplus funds arrive, deploy lump sums," Wise Finserv's Charu Pahuja said.