Investment experts, including Motilal Oswal and White Oak Capital, advise caution in lump-sum equity investments during high market valuations. They recommend a mix of lump sum (20%) and Systematic Transfer Plan (80%) to mitigate risks.
Motilal suggests using market P/E ratios for better timing. White Oak Capital suggests exploring hybrid products for tactical allocation. Value Research recommends a fixed deposit coupled with systematic transfers. Meanwhile, a study comparing SIPs and lump-sum investments on the NIFTY50 index from 2002 to 2023 shows both strategies converging, highlighting SIP's resilience in volatile markets.
Investors are advised to align strategies with risk tolerance and market understanding.