Personal Finance SIP vs lump sum investment: Which is the best way to invest in mutual funds? Updated : October 03, 2020 11:21 AM IST One implies periodic investments (at a chosen interval) to average out one’s cost of investing while the other indicates investing the available amount at one go in the chosen scheme. Subscribe to Moneycontrol PRO at just Rs.33/- per month for the first year. Use code SUPERPRO. Limited period offer. Available on Web and Android.