I was taking to someone about PPF and they asked me a question if it would be beneficial to invest 1.5 L which is the limit for the year in just one shot or would it be good to invest monthly in an SIP format. This question can be applicable not just for PPF but also for other type of investment but the answer is very simple. IT DEPENDS. So for an investment like PPF where the percentage returns is mostly fixed, investment during the start of the year in bulk will be beneficial. But for other type of investments the timing really matters. When market is very low, investing in bulk can yield a high returns in terms of the value of our investment than the return the investment would be giving us in return. ![](https://images.ecency.com/DQmT5pDFPjDWpu8FHvhRFZG58QkBoeoUJCGbxjTg98DQsM1/1776626911022.webp) Source - Sora Hive can be taken as a good example for comparison. For example if we are at the right timing and make a huge investment when the value of Hive is down, we will still get the 4% staking APR but apart from that if the timing is correct and the value of Hive increases, we should be able to get a good return on investment as the price of Hive has also increased. The same cannot happen if we had done an SIP investment on Hive. In this case a bulk investment when the market is low makes a lot more sense than monthly example. Now we have two examples in place where we are able to understand that the timing is very important and it also depends on where we are investing. Just blindly investing in something may not end up very well if we don't understand what we are doing. So there is no one answer for this question. When we expect the money to have maximum compounding from Day 1, lump sum investment is good. But when the market parameter is added, there is just an additional luck included but otherwise even the SIP that we are doing can also have the magic of compounding. --- If like what I'm doing on Hive, you can vote me as a witness with the links below. Vote @balaz as a [Hive Witness](https://vote.hive.uno/@balaz) Vote @kanibot as a [Hive Engine Witness](https://votify.vercel.app/kanibot) ---

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No one answer me last time