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Investing a one-time amount? See what it could grow to at your expected rate of return, and how much of the final value is pure compounding.
Reviewed by the OptionX Research Team · Updated July 2026
Equity has historically averaged ~10–12% over the long term.
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Deploy your lumpsum across stocks and F&O with OptionX's fast, broker-agnostic trading terminal.
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Projections assume a constant annual return compounded yearly. Market-linked returns are not guaranteed and can be negative. For information only — not investment advice.
A lumpsum is a single investment left to compound. Because the whole amount is invested from day one, it benefits from the full power of compounding over your chosen horizon.
Formula
FV = P × (1 + r)t
where P = amount invested, r = annual rate of return, and t = number of years.
Full compounding
The entire amount compounds from day one, so a lumpsum can outperform a SIP in a steadily rising market.
Timing risk
Investing everything at once exposes you to entry-point risk — an STP into equity can spread that out.
Best for windfalls
Bonuses, maturity proceeds or sale gains suit a lumpsum; regular income suits a SIP instead.
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