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Investor's Mental Math : SIP, Lump Sum & Recovery
Investor's Mental Math : SIP, Lump Sum & Recovery
Verify SIP projections, annualise returns & decide SIP vs lump sum — all in under 30 seconds, no calculator
Created byShrinivas Devayya Vasala
Last updated 6/2026
English
What you'll learn
- Annualise any return for 3-month, 6-month, and 2-year holding periods in under 10 seconds
- Calculate exactly how much recovery a portfolio needs after any percentage fall
- Verify any SIP corpus projection using the 5-number benchmark table
- Scale the benchmark for any SIP amount using a single multiplication
- Work backwards from any target corpus to find the required monthly SIP
- Understand when lump sum mathematically beats SIP — and when SIP wins
- Apply the 3-step SIP vs lump sum checklist to any extra income or windfall in 30 seconds
- Identify and close the funding gap between your current SIP and your retirement target
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Course content
5 sections • 10 lectures • 1h 16m total length
Requirements
- Basic familiarity with what a SIP is (no advanced finance knowledge needed)
- ability to multiply and take square roots mentally (covered in course)
Description
Can you verify a SIP claim in 10 seconds — right now, in your head?
Most Indian investors trust advisor charts blindly. This course gives you three frameworks to verify any SIP projection, convert any return to an annual rate, and decide intelligently between a SIP and a lump sum — without a calculator, in under 30 seconds.
What you will learn:
• Annualise any return (3-month, 6-month, 2-year) in 10 seconds
• Understand the asymmetry trap — why a 30% fall needs a 42.9% gain to recover
• Memorise the SIP Benchmark Table: ₹10,000/month at 12% CAGR across 5 time horizons
• Scale the benchmark for any SIP amount instantly
• Work backwards from any goal to find the required monthly SIP
• Decide between SIP and lump sum using a 3-step checklist (P/E ratio, market drawdown, emotional resilience)
• Identify your funding gap and close it with specific, actionable steps
Who is this for:
First-time SIP investors, experienced retail investors, finance professionals, students pursuing finance degrees like MBA, CFA, RFM etc and anyone who wants to stop trusting advisor charts blindly and start verifying numbers themselves.
No spreadsheets. No formulas. No calculator required. No Internet, No Pen & Paper.
Just three frameworks that become reflexes through practice.
Who this course is for:
- Retail investors with an active or planned SIP
- Students pursuing finance degrees like MBA, CFA, RFM etc
- Anyone who wants to fact-check advisor projections without a calculator
- People working in Finance industry like banking, investments, loans, insurance etc