RISK AND RETURN ANALYSIS OF SIP V/S LUMP SUM INVESTMENT IN MUTUAL FUND SCHEME (EQUITY & HYBRID & ELSS)

This paper conducts a comprehensive risk and return analysis comparing systematic investment
plan (SIP) and lump sum investment approaches in various categories of mutual fund schemes, including
equity, hybrid, and Equity Linked Savings Schemes (ELSS). The study examines historical data to
evaluate the performance, volatility, and risk-adjusted returns of both SIP and lump sum investments
over different time horizons. Key metrics such as annualized returns, standard deviation, Sharpe ratio,
and maximum drawdown are employed to provide insights into the comparative risk and return profiles of
these investment strategies. The findings contribute to a better understanding of the trade-offs between
SIP and lump sum investments in different mutual fund categories, aiding investors in making informed
decisions based on their risk tolerance, investment objectives, and time horizon.