Bonus decision · 5 min read

Lumpsum, SIP or STP for a bonus?

A windfall needs a job before it needs a product.

The simple answer

Money needed soon stays safe. Long-term money can enter at once or in steps based on your ability to handle a fall.

I need it within 3 years

Equity can be down exactly when you need the money. Keep near-term goal money in a suitable low-volatility place.

A fall will make me panic

Move a fixed amount from a low-volatility fund over a pre-decided period. Do not keep extending the period to predict markets.

My horizon is 10+ years

A lumpsum gets the full amount working earlier, but only if you can stay calm through a sharp temporary fall.

Example: Split a ₹3 lakh bonus into emergency-fund repair, a near-term goal and long-term money before choosing SIP, STP or lumpsum.

Hinglish mein

Windfall ko product se pehle ek clear job chahiye.

Jaldi chahiye wala paisa safe rahe. Long-term paisa ek saath ya steps mein ja sakta hai, depending on aap fall handle kar sakte hain ya nahi.

3 saal ke andar chahiye: Jab paisa chahiye tab equity down ho sakti hai. Near-term goal money ko suitable low-volatility jagah rakhein.
Fall dekh kar panic hoga: Low-volatility fund se fixed period tak fixed amount move karein. Market predict karne ke liye period baar-baar extend mat karein.
Horizon 10+ saal hai: Lumpsum poore amount ko jaldi kaam par lagata hai, par tabhi jab temporary sharp fall mein aap calm reh sakein.

Example: ₹3 lakh bonus ko emergency-fund repair, near-term goal aur long-term money mein split karke phir SIP, STP ya lumpsum choose karein.

See what your monthly SIP could grow to and what that money may be worth in today's rupees after inflation. Free SIP calculator, no sign-up.

Find out what waiting one, two or five years before starting a SIP could cost you in rupees. Free cost-of-delay calculator, no sign-up.

This is education, not tax, insurance or investment advice. Use current official rules and a registered professional when needed.