Many first-time investors often ask a familiar question—should they invest bit by bit every month or put in a large amount at once?

On the surface, the answer looks straightforward. A lump sum stays invested for longer, so it should grow more. But real life rarely fits into neat financial formulas. And that is why the option that seems "weaker" often turns out to be the one that works better in the long run.

WHY BEHAVIOUR MATTERS MORE THAN MATHS

Ritesh Sabharwal, certified financial planner and personal finance expert, often reminds beginners to look beyond the simple maths. " Most investors believe lump sum investments always beat SIPs. But the choice depends on something more important than just returns,"he says.

His view highlights an uncomfortable truth—money habits matter more t

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