Monthly investing or one lump sum? What happened in each tracked fund
We ran the same window both ways across every fund we track and counted which approach came out ahead, fund by fund.
These figures update themselves. Every number below is recalculated from NAV history each day, so this page is current as of 24 September 2026 rather than the day it was written.
The usual advice is that investing monthly protects you from bad timing. The usual counter is that markets rise more often than they fall, so putting money in earlier tends to win. Both arguments are reasonable and neither settles anything.
We can just count.
The count
Across 35 funds over 2 years, a single lump sum at the start produced the higher annualised result in 5 funds. Monthly investing produced the higher result in 30.
Over this particular window, monthly investing came out ahead in 30 of 35 funds. That is a fact about this window, not a law.
What drives that outcome is the shape of the period, not the merit of either method.
A lump sum wins when a fund's NAV rises steadily from the day you invest, because every taka is exposed for the whole window. Monthly investing wins when the NAV dips partway through, because the later instalments buy units at the lower price.
So the 30 to 5 split is a description of the last 2 years in these funds. A window with a different NAV path can produce a different split.
The comparison nobody runs
Treating this as a real choice assumes a lump sum exists. For most savers it does not: income arrives monthly, and the actual decision is whether to buy units as the money arrives or hold it in a bank account until it accumulates.
That version of the question has a cost the table above cannot show. Money waiting to be invested earns the deposit rate, currently around 8.8% a year on an FDR, while it waits. Against the 20.20% the strongest fund produced and the 0.44% the weakest produced, waiting is neither obviously safe nor obviously costly. It depends entirely on which fund the money was eventually going to buy.
What the monthly figures assume
A fixed deposit of ৳5,000 on a regular schedule, units bought at the NAV in force at the time, dividends reinvested. The full table of what that produced in each fund is in the monthly investing post.
Over 2 years that adds up to ৳1,20,000 paid in. The strongest result was VIPB Fixed Income Fund at ৳1,46,744; the weakest was UCB AML First Mutual Fund at ৳1,20,936.
Notice which comparison is larger. The best and weakest fund were 19.76 percentage points a year apart. Inside the same fund, the two methods differed by 1.65 points on average. Over this window, choosing the fund mattered far more than choosing how to pay into it.
What is not modelled
No tax, no platform charge, no spread between the buying and selling price. The fund's management fee is inside the NAV, so it is reflected. Figures run through 24 September 2026.
Common questions
Which method is better overall?
Neither, universally. Over this window monthly investing led in 30 of 35 funds and the lump sum in 5, but the result depends on the shape of the period rather than on one method being superior.
Does monthly investing reduce risk?
It spreads out the price you pay, which reduces the impact of investing everything on a single bad day. It does not protect against a fund falling over the whole period.
What monthly amount is modelled?
৳5,000, applied identically to every fund so the results stay comparable. You can run a different figure on the homepage.
Does the choice of fund matter more than the method?
Over this window, choosing the fund mattered far more than choosing the method. The strongest and weakest fund were 19.76 percentage points a year apart, against an average gap of 1.65 points between the two methods in the same fund.
Further reading on this site
- Learn: SIP vs lump sum, explained
- FAQ: is SIP or lump sum better?
- Guide: setting up a SIP or a lump sum
Run these numbers on your own amount
