{
  "id": 9943062,
  "title": "Mutual fund SIPs did better than lumpsum across 5 equity categories in 2 years. Check details",
  "url": "https://urgent.news/2026/09/26/mutual-fund-sips-did-better-than-lumpsum-across-5-equity-categories",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-09-26T07:55:44.000Z",
  "source": {
    "name": "The Economic Times - Top News",
    "slug": "the-economic-times-top-news",
    "url": "https://economictimes.indiatimes.com/mf/analysis/mutual-fund-sips-did-better-than-lumpsum-across-5-equity-categories-in-2-years-check-details/slideshow/134500316.cms"
  },
  "original_language": "en",
  "account": "In a two-year period, mutual fund Systematic Investment Plans (SIPs) outperformed lumpsum investments across various equity categories, according to a report by ETWealth. Across all categories, SIP returns consistently surpassed point-to-point returns. For largecap funds, SIPs delivered an average return of 0.3% over two years, while lumpsum investments yielded a negative 3.7%. Flexicap funds showed positive SIP returns of 5.8%, compared to a negative 0.7% for lumpsum investments. SIP returns were notably higher than lumpsum returns in flexicap funds over the two-year period. In the smallcap category, SIPs generated the highest average return at 15.9%, compared to a 3.1% return for lumpsum investments. SIPs benefit from lower unit costs during market downturns and the systematic transfer plan (STP) helps avoid the risk of a single bad investment entry. However, lump-sum investments may be advantageous for investors who possess strong conviction in valuations and are prepared to endure short-term volatility for potential gains.",
  "summary": "Over two years, SIPs outperformed lump-sum investments across equity fund categories, with the gap widest in smallcap funds. SIPs delivered positive average returns even where point-to-point returns remained muted or negative.",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}