Lump Sum + SIP Combined Allocation Strategy (2026)
Combine lump sum and SIP by investing the lump sum in the same equity-debt mix as your SIP (e.g. 60:40), then running SIP in that mix going forward. You can put the lump sum in over 3–6 months (e.g. monthly chunks) to reduce timing risk, or invest in a curated mutual fund basket that accepts both lump sum and SIP.
Quick steps
- Decide mix (e.g. 60:40 equity-debt).
- Invest lump sum in that mix—either at once or over 3–6 months.
- Start or continue SIP in the same mix.
- Rebalance yearly; use a basket to simplify.
Why combine both
- Lump sum gets market exposure; SIP averages over time.
- Same allocation keeps the portfolio consistent. Investment baskets can take both lump sum and SIP.
Frequently Asked Questions
How to allocate lump sum and SIP together? Use the same equity-debt mix for both; invest lump sum in that mix and run SIP in it.
Where can I do lump sum + SIP in a basket? RevenUmf offers curated mutual fund baskets; check for lump sum + SIP.
RevenUmf offers curated mutual fund baskets with active rebalancing so you don't need to pick individual funds. Explore our investment baskets here: https://revenumf.com/baskets
