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REDDIT

Got a bonus and trying to decide between putting it in as lumpsum or spreading it out over a few months

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Aug 31, 2026 · 05:44

so was going to just lumpsum it into an existing equity fund but now am second guessing whether spreading it out over 4-5 months would be safer. Feels like a small version of the SIP vs lumpsum debate. What actually makes sense for an amount like this, not life changing money but not small either?