SIP + Lumpsum
Most portfolios are a mix: something invested at the start, plus a monthly contribution. Since each rupee is invested for a different length of time, a simple percentage is meaningless, XIRR is the figure that actually compares.
- Lumpsum grows to
- —
- SIP grows to
- —
- Total you invested
- —
- Estimated growth
- —
- Blended XIRR
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Projected value Amount invested
Why XIRR and not "total return"
Your first SIP instalment is invested for the full period; the last one for a single month. XIRR weights every cashflow by how long it was actually invested, which is why it is the standard measure for mutual fund statements. Here it will sit close to the expected return you entered, with real, uneven returns it would not.
Sitting on cash you have not deployed?
Whether to invest it at once or stagger it is a real decision with real trade-offs.