Calculate the wealth growth of your one-time lumpsum mutual fund or equity investment with compound annual growth. Discover your doubling timeframe with the Rule of 72 and analyze year-by-year compounding.
💎 Investment Parameters
📈 Year-by-Year Growth Schedule
Compound Trajectory| Year | Starting Capital | Annual Interest | Total Wealth Gained | Year-End Balance |
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💡 Lumpsum vs SIP: When to Choose?
Lumpsum investing is optimal when you receive sudden windfall capital like an annual bonus, property sale, or inheritance. If investing from regular monthly income, a SIP (Systematic Investment Plan) is superior for rupee-cost averaging.
🔄 The STP Strategy for Large Sums
Worried about investing at an all-time market high? Park your lumpsum corpus into a Liquid or Arbitrage Fund and set up a Systematic Transfer Plan (STP) to stagger deployment into equity funds over 6 to 12 months.
🧾 Capital Gains Tax (Budget 2024)
For Equity Mutual Funds, profits held for over 12 months qualify as Long-Term Capital Gains (LTCG) and are taxed at 12.5% on amounts exceeding ₹1.25 Lakhs per year. Short-term profits (under 12 months) are taxed at 20%.